Doro Phone Easy 530X Instructions For Use En

User Manual: doro PhoneEasy 530X - Instructions for Use Free User Guide for Doro Mobile Phone, Manual

Open the PDF directly: View PDF PDF.
Page Count: 72

(QJOLVK
'RUR 3KRQH(DV\;
3
2
4
5
6
7
8
16
14
17
15
13
11
12
18
9
2223201921
1
10
1RWH $OO LOOXVWUDWLRQV DUH IRU LOOXVWUDWLYH SXUSRVHV RQO\ DQG PD\ QRW
DFFXUDWHO\ GHSLFW WKH DFWXDO GHYLFH
 (DUSLHFH
 &KDUJLQJ VRFNHW
 +HDGVHW VRFNHW
 /HIW VHOHFWLRQ EXWWRQ
 &DOO EXWWRQ
 7RS 
9RLFH PDLO
 7RUFK EXWWRQ
 ,QWHUQDWLRQDO SUHIL[
6\PEROV
 /DQ\DUG KROG
 ,QSXW PHWKRG6LOHQW
 0LFURSKRQH
 &DPHUD VKRUWFXW
 0HVVDJH VKRUWFXW
 (QG FDOO3RZHU RQRII
 $UURZ EXWWRQV
5LJKW VHOHFWLRQ EXWWRQ
 9ROXPH FRQWURO
 &DPHUD OHQV
 /RXGVSHDNHU
 &DPHUD IODVK7RUFK
 $VVLVWDQFH EXWWRQ
 6HFRQG PLFURSKRQH
7KH LWHPV VXSSOLHG ZLWK \RXU SKRQH PLJKW YDU\ GHSHQGLQJ RQ WKH VRIW
ZDUH DQG DFFHVVRULHV DYDLODEOH LQ \RXU UHJLRQ RU RIIHUHG E\ \RXU VHUYLFH
SURYLGHU <RX FDQ REWDLQ DGGLWLRQDO DFFHVVRULHV IURP \RXU ORFDO 'RUR GHDO
HU 7KH VXSSOLHG DFFHVVRULHV SURYLGH WKH EHVW SHUIRUPDQFH ZLWK \RXU
SKRQH
(QJOLVK
&RQWHQWV
&RQJUDWXODWLRQV RQ \RXU SXUFKDVH  
*HW VWDUWHG 
,QVHUW 6,0 FDUG PHPRU\ FDUG DQG EDWWHU\
&KDUJH WKH SKRQH 
*HW WR NQRZ \RXU SKRQH 
$VVLVWLYH IXQFWLRQV 
7XUQ WKH SKRQH RQ DQG RII 
6WDUWXS ZL]DUG  
1DYLJDWH WKH SKRQH  
(QWHU WH[W  
+HDULQJ DLG FRPSDWLEOH 
3KRQH VHWWLQJV 
&DOOV
0DNH D FDOO
&DOO IURP WKH SKRQHERRN 
5HFHLYH D FDOO
9ROXPH FRQWURO
&DOO RSWLRQV 
6SHHG GLDO 
626 FDOOV 
&DOO ORJ
&DOO VHWWLQJV 
3KRQHERRN
$GG FRQWDFW
0DQDJH SKRQHERRN FRQWDFWV 
3KRQHERRN VHWWLQJV 
$VVLVWDQFH EXWWRQ
0DNH DQ DVVLVWDQFH FDOO 
$FWLYDWLRQ 
1XPEHU OLVW 
$FWLYDWH WH[W PHVVDJHV 606 
$VVLVWDQFH VHWWLQJV 
0HVVDJHV
&UHDWH DQG VHQG WH[W PHVVDJH 606 
&UHDWH DQG VHQG SLFWXUH PHVVDJH 006
&UHDWH DQG VHQG YRLFH PHVVDJH 
(QJOLVK
&UHDWH DQG VHQG HPDLO
,QER[ 2XWER[ DQG 6HQW
0HVVDJH VHWWLQJV 
&DPHUD
&DPHUD
9LGHR FDPHUD
3LFWXUH JDOOHU\ DQG 9LGHR JDOOHU\ 
&DPHUD VHWWLQJV 
&RQQHFWLYLW\ 
%OXHWRRWK
,QWHUQHW SURILOH
0RELOH GDWD
1HWZRUN VHWXS 
&RQQHFW WKH SKRQH WR D FRPSXWHU 
)LOH PDQDJHU 
6RXQG 'LVSOD\ 
$XGLR VHWXS 
7RQH VHWXS ULQJWRQH 
5LQJWRQH YROXPH 
6LOHQW 
$OHUW W\SH
([WUD WRQH
0DLQ PHQX
:DOOSDSHU
7H[W VL]H 
,GOH GLVSOD\
7KHPHV 
/&' EDFNOLJKW
%ULJKWQHVV 
0\ 'RUR 0DQDJHU
&UHDWH DFFRXQW 
/RJ LQ/RJ RXW 
2SWLRQV
6\QF LQWHUYDOV 
$FFRXQW GHWDLOV
$GGLWLRQDO IXQFWLRQV  
)0 UDGLR 
7RUFK
(QJOLVK
&DOFXODWRU
*DPHV
6WDWXV
$ODUP
&DOHQGDU
'DLO\ UHPLQGHU  
1RWHV 
:HDWKHU 
'LVSOD\ VWDWXV V\PEROV 
'LVSOD\ PDLQ V\PEROV 
5HVHW VHWWLQJV
7URXEOHVKRRWLQJ
6DIHW\ LQVWUXFWLRQV
1HWZRUN VHUYLFHV DQG FRVWV
2SHUDWLQJ HQYLURQPHQW 
0HGLFDO XQLWV 
$UHDV ZLWK H[SORVLRQ ULVN 
/LLRQ EDWWHU\
3URWHFW \RXU KHDULQJ
(PHUJHQF\ FDOOV
*36/RFDWLRQ EDVHG IXQFWLRQV 
9HKLFOHV
3URWHFW \RXU SHUVRQDO GDWD 
0DOZDUH DQG YLUXVHV
&DUH DQG PDLQWHQDQFH 
:DUUDQW\
&RS\ULJKW DQG RWKHU QRWLFHV
&RQWHQW FRS\ULJKW 
6SHFLILFDWLRQV 
+HDULQJ DLG FRPSDWLELOLW\ 
6SHFLILF $EVRUSWLRQ 5DWH 6$5 
&RUUHFW GLVSRVDO RI WKLV SURGXFW 
&RUUHFW GLVSRVDO RI EDWWHULHV LQ WKLV SURGXFW 
'HFODUDWLRQ RI &RQIRUPLW\
(QJOLVK
&RQJUDWXODWLRQV RQ \RXU SXUFKDVH
'RUR 3KRQH(DV\; LV JUHDW IRU RXWGRRU XVH DQG DQ DFWLYH OLIHVW\OH
WKDQNV WR LWV VROLG DQG VSODVK SURRI GHVLJQ ,3 ,W·V HDV\ WR XVH DQG
EULQJV \RX ORXG FOHDU VRXQG DV ZHOO DV DFFHVV WR ZHDWKHU LQIR DQG HPDLO
)RU PRUH LQIRUPDWLRQ DERXW DFFHVVRULHV RU RWKHU 'RUR SURGXFWV SOHDVH
YLVLW ZZZGRURFRP
*HW VWDUWHG
,QVHUW 6,0 FDUG PHPRU\ FDUG DQG EDWWHU\
 5HPRYH WKH EDWWHU\ FRYHU
,03257$17
%H FDUHIXO QRW WR GDPDJH \RXU ILQJHUQDLOV
ZKHQ \RX UHPRYH WKH EDWWHU\ FRYHU 'R QRW
EHQG RU WZLVW WKH EDWWHU\ FRYHU H[FHVVLYHO\
DV LW PD\ EH GDPDJHG
1
 ,QVHUW WKH 6,0 FDUG UHTXLUHG
5HPRYH WKH EDWWHU\ LI LW LV DOUHDG\ LQVWDOOHG /R
FDWH WKH 6,0 FDUG KROGHU VKDSHG OLNH D 6,0
FDUG DQG JHQWO\ VOLGH WKH FDUG LQ WKH KROGHU
6HH WKH ODEHO ULJKW QH[W WR WKH KROGHU IRU JXLG
DQFH RQ KRZ WR LQVHUW WKH FDUG
,03257$17
7KLV GHYLFH DFFHSWV PLFUR 6,0 RU )) 6,0
FDUG 8VH RI LQFRPSDWLEOH 6,0 FDUGV PD\
GDPDJH WKH FDUG RU WKH GHYLFH DQG PD\
FRUUXSW GDWD VWRUHG RQ WKH FDUG
GB
2
3
(QJOLVK
 ,QVHUW WKH PHPRU\ FDUG RSWLRQDO
/RFDWH WKH PHPRU\ FDUG KROGHU VKDSHG OLNH D PHPRU\ FDUG QH[W WR WKH
EDWWHU\ DQG JHQWO\ VOLGH WKH FDUG LQ WKH KROGHU 7KH GHYLFH ZRUNV ZLWK RU
ZLWKRXW D PHPRU\ FDUG LQVWDOOHG
,03257$17
8VH RQO\ FRPSDWLEOH PHPRU\ FDUGV ZLWK WKLV GHYLFH &RPSDWLEOH FDUG
W\SH PLFUR6' PLFUR6'+&
,QFRPSDWLEOH FDUGV PD\ GDPDJH WKH FDUG LWVHOI WKH GHYLFH DQG
FRUUXSW DQ\ GDWD VWRUHG RQ WKH FDUG 'HSHQGLQJ RQ WKH PDUNHW VRPH
SKRQHV PD\ KDYH D SUHLQVWDOOHG PHPRU\ FDUG
1RWH 6LQFH WKH 6,0 FDUG KROGHU LV ORFDWHG EHQHDWK WKH EDWWHU\ \RX QHHG
WR WXUQ RII WKH SKRQH WR LQVHUW RU UHPRYH WKH 6,0 FDUG
7LS 7DNH FDUH QRW WR VFUDWFK RU EHQG WKH FRQWDFWV RQ WKH PHPRU\ RU 6,0
FDUG ZKHQ LQVHUWLQJ WKHP LQWR WKH FDUG KROGHUV
 ,QVHUW WKH EDWWHU\
,QVHUW WKH EDWWHU\ E\ VOLGLQJ LW LQWR WKH EDWWHU\
FRPSDUWPHQW ZLWK WKH FRQWDFWV IDFLQJ GRZQ
ZDUGV 5HSODFH WKH EDWWHU\ FRYHU
4
&KDUJH WKH SKRQH
&$87,21
2QO\ XVH EDWWHULHV FKDUJHUV DQG DFFHVVRULHV WKDW KDYH EHHQ DSSURYHG
IRU XVH ZLWK WKLV SDUWLFXODU PRGHO &RQQHFWLQJ RWKHU DFFHVVRULHV PD\
EH GDQJHURXV DQG PD\ LQYDOLGDWH WKH SKRQHV W\SH DSSURYDO DQG
ZDUUDQW\
(QJOLVK
AB
:KHQ WKH EDWWHU\ LV UXQQLQJ ORZ LV GLVSOD\HG DQG D ZDUQLQJ VLJQDO LV
KHDUG
 &RQQHFW WKH PDLQV DGDSWHU WR D ZDOO VRFNHW DQG WR WKH FKDUJLQJ
VRFNHW H$ RU SODFH WKH GHYLFH LQ WKH FUDGOH % $OWHUQDWLYHO\
FRQQHFW WKH FDEOH WR WKH FKDUJLQJ VRFNHW HRQ WKH SKRQH DQG WR
D 86% SRUW RQ D FRPSXWHU
7KH EDWWHU\ FKDUJH LQGLFDWRU LV DQLPDWHG ZKLOH FKDUJLQJ ,W WDNHV DS
SUR[LPDWHO\  KRXUV WR IXOO\ FKDUJH WKH EDWWHU\ :KHQ WKH FKDUJHU LV
FRQQHFWHG WR WKH SKRQH LV GLVSOD\HG EULHIO\ DQG ZKHQ LW LV
GLVFRQQHFWHG
 :KHQ FKDUJLQJ LV FRPSOHWHG LV GLVSOD\HG RQ WKH VFUHHQ
,I WKH SKRQH LV WXUQHG RII ZKHQ WKH FKDUJHU LV FRQQHFWHG WR WKH
SKRQH RQO\ WKH EDWWHU\ FKDUJH LQGLFDWRU ZLOO EH VKRZQ RQ WKH GLVSOD\
(QJOLVK
1RWH 7R VDYH SRZHU WKH /&' EDFNOLJKW JRHV RII DIWHU D ZKLOH 3UHVV DQ\
EXWWRQ WR LOOXPLQDWH WKH GLVSOD\ )XOO EDWWHU\ FDSDFLW\ ZLOO QRW EH UHDFKHG
XQWLO WKH EDWWHU\ KDV EHHQ FKDUJHG ² WLPHV %DWWHULHV GHJUDGH RYHU
WLPH ZKLFK PHDQV WKDW FDOO WLPH DQG VWDQGE\ WLPH ZLOO QRUPDOO\
GHFUHDVH ZLWK UHJXODU XVH
*HW WR NQRZ \RXU SKRQH
$VVLVWLYH IXQFWLRQV
8VH WKH V\PEROV EHORZ WR JXLGH \RX WKURXJK VXSSRUWLQJ VHFWLRQV LQ WKH
PDQXDO
6HHLQJ +DQGOLQJ
+HDULQJ 6DIHW\
7XUQ WKH SKRQH RQ DQG RII
 3UHVV DQG KROG RQ WKH SKRQH WR WXUQ LW RQ RU RII &RQILUP ZLWK
<HV WR SRZHU RII
 ,I WKH 6,0 FDUG LV YDOLG EXW SURWHFWHG ZLWK D 3,1 FRGH 3HUVRQDO ,GHQ
WLILFDWLRQ 1XPEHU 3,1 LV GLVSOD\HG (QWHU WKH 3,1 FRGH DQG SUHVV
2. XSSHU OHIW FRUQHU RI NH\SDG 'HOHWH ZLWK &OHDU  XSSHU
ULJKW FRUQHU RI NH\SDG
1RWH ,I 3,1 DQG 38. FRGHV ZHUH QRW SURYLGHG ZLWK \RXU 6,0 FDUG SOHDVH
FRQWDFW \RXU VHUYLFH SURYLGHU
$WWHPSWV VKRZV WKH QXPEHU RI 3,1 DWWHPSWV OHIW :KHQ QR PRUH DW
WHPSWV UHPDLQ 3,1 EORFNHG LV GLVSOD\HG 7KH 6,0 FDUG PXVW WKHQ EH XQ
ORFNHG ZLWK WKH 38. FRGH 3HUVRQDO 8QEORFNLQJ .H\
 (QWHU WKH 38. FRGH DQG FRQILUP ZLWK 2.
 (QWHU D QHZ 3,1 FRGH DQG FRQILUP ZLWK 2.
 5HHQWHU QHZ 3,1 FRGH DQG FRQILUP ZLWK 2.
6WDUWXS ZL]DUG
:KHQ VWDUWLQJ WKH SKRQH IRU WKH ILUVW WLPH \RX FDQ XVH WKH 6WDUWXS ZL]
DUG WR VHW VRPH EDVLF VHWWLQJV
3UHVV <HV WR FKDQJH RU 1R LI \RX GR QRW ZDQW WR FKDQJH
(QJOLVK
7KH GHIDXOW ODQJXDJH LV GHWHUPLQHG E\ WKH 6,0 FDUG 6HH 3KRQH VHWWLQJV
S RQ KRZ WR FKDQJH ODQJXDJH WLPH DQG GDWH
7LS <RX FDQ UXQ WKH VWDUWXS ZL]DUG ODWHU LI \RX ZDQW )URP VWDQGE\
PRGH SUHVV 0HQX 6HWWLQJV *HQHUDO 6WDUWXS ZL]DUG
1DYLJDWH WKH SKRQH
6WDQGE\ LGOH PRGH
:KHQ WKH SKRQH LV UHDG\ WR XVH DQG \RX KDYH QRW NH\HG LQ DQ\ FKDUDF
WHUV WKH SKRQH LV LQ VWDQGE\
3UHVV WR UHWXUQ WR VWDQGE\ PRGH
3UHVV OHIW VHOHFWLRQ EXWWRQ WR DFFHVV WKH SKRQH 0HQX RU ULJKW
VHOHFWLRQ EXWWRQ 1DPH WR DFFHVV \RXU VDYHG FRQWDFWV LQ WKH
SKRQHERRN
7LS <RX FDQ DOZD\V SUHVV WR UHWXUQ WR VWDQGE\
6FUROO
8VH WKH DUURZ EXWWRQV WR VFUROO LQ PHQXV
6WHSE\VWHS LQVWUXFWLRQV
7KH DUURZ   LQGLFDWHV QH[W DFWLRQ LQ VWHSE\VWHS LQVWUXFWLRQV 7R FRQ
ILUP DQ DFWLRQ SUHVV 2. 7R VHOHFW DQ LWHP VFUROO RU KLJKOLJKW WKH LWHP XV
LQJ DQG WKHQ SUHVV 2.
([DPSOH
3UHVV 0HQX 3KRQHERRN 1HZ FRQWDFW $GG
7R SHUIRUP WKH H[DPSOH RQ \RXU 'RUR 3KRQH(DV\; \RX VKRXOG GR
WKH IROORZLQJ
 3UHVV 0HQX VFUROO WR 3KRQHERRN DQG SUHVV 2.
 6HOHFW 1HZ FRQWDFW DQG SUHVV $GG
(QWHU WH[W
(QWHU WH[W PDQXDOO\
6HOHFW FKDUDFWHU
3UHVV D QXPHULFDO NH\ UHSHDWHGO\ XQWLO WKH GHVLUHG FKDUDFWHU LV
VKRZQ :DLW D IHZ VHFRQGV EHIRUH HQWHULQJ WKH QH[W FKDUDFWHU
(QJOLVK
6SHFLDO FKDUDFWHUVVPLOH\V
 3UHVV IRU D OLVW RI VSHFLDO FKDUDFWHUV
 6HOHFW WKH GHVLUHG FKDUDFWHU ZLWK DQG SUHVV 2. WR FRQILUP
0RYH WKH FXUVRU ZLWKLQ WH[W
8VH WKH VLGH EXWWRQV ±RU WR PRYH WKH FXUVRU ZLWKLQ WKH
WH[W
8SSHU FDVH ORZHU FDVH DQG QXPHUDOV
3UHVV WR FKRRVH EHWZHHQ XSSHU FDVH ORZHU FDVH DQG QXPHUDOV
6HH ,QSXW PRGH S
&KDQJH ZULWLQJ ODQJXDJH
 3UHVV DQG KROG IRU D OLVW RI DYDLODEOH ODQJXDJHV
 6HOHFW ODQJXDJH ZLWK DQG SUHVV 2. WR FRQILUP
(QWHU WH[W ZLWK SUHGLFWLYH WH[W
,Q VRPH ODQJXDJHV \RX FDQ XVH WKH 6PDUW $%& H=L7\SH LQSXW PHWKRG
ZKLFK XVHV D GLFWLRQDU\ WR VXJJHVW ZRUGV
3UHVV HDFK NH\ RQFH HYHQ LI WKH GLVSOD\HG FKDUDFWHU LV QRW WKH RQH
\RX ZDQW 7KH GLFWLRQDU\ ZLOO VXJJHVW ZRUGV EDVHG RQ WKH NH\V \RX
KDYH SUHVVHG
([DPSOH
 3UHVV WR ZULWH WKH ZRUG ´)UHGµ &RPSOHWH WKH ZRUG EH
IRUH ORRNLQJ DW WKH VXJJHVWLRQV
 8VH WR YLHZ WKH VXJJHVWHG ZRUGV
 3UHVV 6HOHFW DQG FRQWLQXH ZLWK WKH QH[W ZRUG
$OWHUQDWLYHO\ SUHVV WR FRQWLQXH ZLWK WKH QH[W ZRUG
 ,I QRQH RI WKH VXJJHVWHG ZRUGV DUH FRUUHFW XVH PDQXDO LQSXW PRGH
1RWH 6HH 3UHGLFWLYH WH[W S IRU PRUH LQIRUPDWLRQ
,QSXW PRGH
3UHVV WR FKDQJH LQSXW PRGH 7KH LFRQ RQ WKH WRS OHIW RI WKH GLV
SOD\ LQGLFDWHV WKH LQSXW PRGH
(QJOLVK
$EF 6HQWHQFH FDVH ZLWK SUHGLFWLYH WH[W
$%& 833(5 &$6( ZLWK SUHGLFWLYH WH[W
DEF ORZHU FDVH ZLWK SUHGLFWLYH WH[W
$EF 6HQWHQFH FDVH
$%& 833(5 &$6(
DEF ORZHU FDVH
 1XPHUDOV
+HDULQJ DLG FRPSDWLEOH
7KLV SKRQH LV KHDULQJ DLG FRPSDWLEOH +HDULQJ DLG FRPSDWLELOLW\ LV QRW D
JXDUDQWHH WKDW D VSHFLILF KHDULQJ DLG ZLOO ZRUN ZLWK D VSHFLILF SKRQH 0R
ELOH SKRQHV FRQWDLQ UDGLR WUDQVPLWWHUV WKDW PD\ LQWHUIHUH ZLWK KHDULQJ DLG
SHUIRUPDQFH 7KLV SKRQH KDV EHHQ WHVWHG IRU XVH ZLWK KHDULQJ DLGV IRU
VRPH RI WKH ZLUHOHVV WHFKQRORJLHV WKDW LW XVHV EXW WKHUH PD\ EH VRPH
QHZHU ZLUHOHVV WHFKQRORJLHV WKDW KDYH QRW EHHQ WHVWHG \HW IRU XVH ZLWK
KHDULQJ DLGV 7R HQVXUH WKDW D VSHFLILF KHDULQJ DLG ZRUNV ZHOO ZLWK WKLV
SKRQH WHVW WKHP WRJHWKHU EHIRUH PDNLQJ D SXUFKDVH
7KH VWDQGDUG IRU KHDULQJ DLG FRPSDWLELOLW\ FRQWDLQV WZR W\SHV RI UDWLQJV
0 7R XVH \RXU KHDULQJ DLG LQ WKLV PRGH PDNH VXUH WKDW \RXU KHDULQJ
DLG LV VHW WR 0PRGH RU DFRXVWLF FRXSOLQJ PRGH DQG SRVLWLRQ WKH
SKRQHV UHFHLYHU QHDU WKH KHDULQJ DLG·V EXLOWLQ PLFURSKRQH )RU WKH
EHVW UHVXOWV WU\ XVLQJ WKH SKRQH LQ GLIIHUHQW SRVLWLRQV UHODWLYH WR \RXU
KHDULQJ DLG³IRU H[DPSOH SODFLQJ WKH UHFHLYHU VOLJKWO\ DERYH WKH HDU
PD\ UHVXOW LQ EHWWHU SHUIRUPDQFH IRU KHDULQJ DLGV ZLWK PLFURSKRQHV
SRVLWLRQHG EHKLQG WKH HDU
7 7R XVH \RXU KHDULQJ DLG LQ WKLV PRGH PDNH VXUH WKDW \RXU KHDULQJ
DLG LV VHW WR 7PRGH RU WHOHFRLO FRXSOLQJ PRGH QRW DOO KHDULQJ DLGV
KDYH WKLV PRGH )RU WKH EHVW UHVXOWV WU\ XVLQJ WKH SKRQH LQ GLIIHUHQW
SRVLWLRQV UHODWLYH WR \RXU KHDULQJ DLG³IRU H[DPSOH SODFLQJ WKH UH
FHLYHU VOLJKWO\ EHORZ RU LQ IURQW RI WKH HDU PD\ UHVXOW LQ EHWWHU
SHUIRUPDQFH
6HH DOVR $XGLR VHWXS  S RQ KRZ \RX FDQ DGMXVW WKH DXGLR VHWWLQJV
3KRQH VHWWLQJV
7LPH  GDWH
6HW WKH WLPH DQG GDWH
 3UHVV 0HQX 6HWWLQJV *HQHUDO 7LPH  GDWH
(QJOLVK
6HW WLPH WR HQWHU WKH WLPH ++00
6HW GDWH WR HQWHU WKH GDWH ''00<<<<
 3UHVV 2. WR FRQILUP
7LS <RX FDQ DOVR VHW WKH SKRQH WR DXWRPDWLFDOO\ XSGDWH WKH WLPH DQG
GDWH DFFRUGLQJ WR WKH FXUUHQW WLPH ]RQH ,Q 7LPH GDWH VHOHFW $XWR WLPH
2Q $XWRPDWLF XSGDWH RI GDWH DQG WLPH GRHV QRW FKDQJH WKH WLPH \RX
KDYH VHW IRU WKH DODUP FORFN RU WKH FDOHQGDU 7KH\ DUH LQ ORFDO WLPH
8SGDWLQJ PD\ FDXVH VRPH DODUPV \RX KDYH VHW WR H[SLUH GHSHQGLQJ RQ
QHWZRUN VXSSRUW DQG VXEVFULSWLRQ
6HW WKH WLPH DQG GDWH IRUPDW
 3UHVV 0HQX 6HWWLQJV *HQHUDO 7LPH  GDWH 6HW
IRUPDW
7LPH IRUPDW  KRXUV RU  KRXUV
'DWH IRUPDW DQG VHOHFW WKH GHVLUHG GDWH IRUPDW
 3UHVV 2. WR FRQILUP
7LPH ]RQH DQG GD\OLJKW VDYLQJ LV QRUPDOO\ VHW DXWRPDWLFDOO\
,I \RXU QHWZRUN GRQ·W VXSSRUW WLPH ]RQH DQG GD\OLJKW VDYLQJ \RX PD\ VHW
LW PDQXDOO\
6HW WLPH ]RQH
 3UHVV 0HQX 6HWWLQJV *HQHUDO 7LPH  GDWH 6HW WLPH
]RQH
 6HOHFW ZDQWHG WLPH ]RQH DQG SUHVV 2. WR FRQILUP
6HW GD\OLJKW VDYLQJ
 3UHVV 0HQX 6HWWLQJV *HQHUDO 7LPH  GDWH 'D\OLJKW
VDYLQJ
 6HOHFW 2Q WR WXUQ RQ RU 2II WR WXUQ RII
 3UHVV 2. WR FRQILUP
/DQJXDJH
7KH GHIDXOW ODQJXDJH IRU WKH SKRQH PHQXV PHVVDJHV HWF LV GHWHUPLQHG
E\ WKH 6,0 FDUG <RX FDQ FKDQJH WKLV WR DQ\ RWKHU ODQJXDJH VXSSRUWHG E\
WKH SKRQH
 3UHVV 0HQX 6HWWLQJV *HQHUDO /DQJXDJH
 8VH WR VHOHFW D ODQJXDJH
(QJOLVK
 3UHVV 2. WR FRQILUP
%ORFN IXQFWLRQ
 3UHVV 0HQX 6HWWLQJV *HQHUDO %ORFN IXQFWLRQ
 6HOHFW HDFK IXQFWLRQ \RX ZDQW WR GLVDEOH DQG SUHVV 2II
 3UHVV 'RQH WR FRQILUP
3,1 FRGH RSWLRQV
 3UHVV 0HQX 6HWWLQJV 6HFXULW\ 6,0 ORFN
2Q WR DFWLYDWH WKH 3,1 FRGH <RX QHHG WR HQWHU WKH 3,1 FRGH
HYHU\ WLPH WKH SKRQH LV VWDUWHG
2II WR GHDFWLYDWH WKH 3,1 FRGH
,03257$17
,I HQDEOLQJ 2IIPRGH DQG WKH 6,0 FDUG LV ORVW RU VWROHQ LW LV
XQSURWHFWHG
$XWRPDWLF WR VWDUW WKH SKRQH ZLWKRXW WKH 3,1 FRGH 7KH SKRQH
UHPHPEHUV LW DXWRPDWLFDOO\ EXW LI WKH 6,0 FDUG LV PRYHG WR DQ
RWKHU SKRQH ORVW RU VWROHQ WKH 3,1 FRGH QHHGV WR EH HQWHUHG
ZKHQ WKH SKRQH LV VWDUWHG
 3UHVV 2. WR FRQILUP
&KDQJH 3,1 FRGH
 3UHVV 0HQX 6HWWLQJV 6HFXULW\ 3DVVZRUGV 3,1
 (QWHU FXUUHQW 3,1 FRGH DQG SUHVV 2.
 (QWHU QHZ 3,1 DQG SUHVV 2. 5HSHDW WR FRQILUP
.H\SDG ORFN
<RX FDQ ORFN WKH NH\SDG WR SUHYHQW WKH NH\V EHLQJ DFFLGHQWDOO\ SUHVVHG
IRU H[DPSOH ZKHQ \RXU SKRQH LV LQ \RXU KDQGEDJ
,QFRPLQJ FDOOV FDQ EH DQVZHUHG E\ SUHVVLQJ HYHQ LI WKH NH\SDG LV
ORFNHG 'XULQJ WKH FDOO WKH NH\SDG LV XQORFNHG :KHQ WKH FDOO LV HQGHG RU
UHMHFWHG WKH NH\SDG LV ORFNHG DJDLQ
3UHVV DQG KROG WR ORFNXQORFN WKH NH\SDG
1RWH 7KH PDLQ ORFDO HPHUJHQF\ QXPEHU FDQ EH GLDOOHG ZLWKRXW
XQORFNLQJ WKH NH\SDG
(QJOLVK
$FWLYDWH
 3UHVV 0HQX 6HWWLQJV 6HFXULW\ .H\SDG ORFN
$XWR NH\ORFN WR VHOHFW WKH WLPH GHOD\ IRU DXWRPDWLF NH\SDG
ORFNLQJ
8QORFN PRGH WR VHOHFW 6LQJOH NH\ WR XQORFN WKH NH\SDG ZLWK
RU 'XDO NH\ WR ORFNXQORFN ZLWK ULJKW VHOHFWLRQ EXWWRQ 1DPH
8QORFN DQG
 3UHVV 2. WR FRQILUP
3KRQH ORFN
7KH SKRQH ORFN SURWHFWV \RXU SKRQH IURP XQZDQWHG XVDJH ,I DFWLYDWHG
SKRQH LV ORFNHG DIWHU UHVWDUW DQG WKH SKRQH FRGH QHHGV WR EH HQWHUHG WR
XQORFN
 3UHVV 0HQX 6HWWLQJV 6HFXULW\ 3KRQH ORFN
 6HOHFW 2Q WR HQDEOH RU 2II WR GLVDEOH
 3UHVV 2. WR FRQILUP
1RWH <RX QHHG WR HQWHU FXUUHQW SKRQH FRGH 'HIDXOW SKRQH FRGH LV 
:KLWHOLVW
$ ZKLWHOLVW ZRUNV PXFK OLNH D VSDP ILOWHU RQFH DFWLYDWHG \RX FDQ RQO\ UH
FHLYH LQFRPLQJ FDOOV IURP FRQWDFWV VDYHG LQ WKH SKRQHERRN 3HRSOH QRW
VWRUHG LQ WKH SKRQHERRN JHWV D EXV\ VLJQDO ZKHQ WU\LQJ WR FDOO \RX
 3UHVV 0HQX 6HWWLQJV 6HFXULW\ :KLWHOLVW
 6HOHFW 2Q WR HQDEOH RU 2II WR GLVDEOH
 3UHVV 2. WR FRQILUP
&DOOV
0DNH D FDOO
 (QWHU WKH SKRQH QXPEHU LQFOXGLQJ WKH DUHD FRGH 'HOHWH ZLWK &OHDU
 3UHVV WR PDNH D FDOO 3UHVV $ERUW WR FDQFHO WKH FDOO
 3UHVV WR HQG WKH FDOO
7LS )RU LQWHUQDWLRQDO FDOOV DOZD\V XVH EHIRUH WKH FRXQWU\ FRGH IRU EHVW
RSHUDWLRQ 3UHVV WZLFH IRU WKH LQWHUQDWLRQDO SUHIL[
(QJOLVK
&DOO IURP WKH SKRQHERRN
 3UHVV 1DPH WR RSHQ WKH SKRQHERRN
 8VH WR VFUROO WKURXJK WKH SKRQHERRN RU TXLFN VHDUFK E\
SUHVVLQJ WKH NH\ FRUUHVSRQGLQJ WR WKH ILUVW OHWWHU RI WKH HQWU\ VHH (Q
WHU WH[W  S
 3UHVV 2SWLRQV &DOO WR GLDO WKH VHOHFWHG HQWU\ ,I QHHGHG VHOHFW
WKH QXPEHU
$OWHUQDWLYHO\ SUHVV WR GLDO
 3UHVV $ERUW RU WR FDQFHO WKH FDOO
5HFHLYH D FDOO
 3UHVV WR DQVZHU RU SUHVV 6LOHQW WR VZLWFK RII WKH ULQJVLJQDO
DQG WKHQ 5HMHFW WR UHMHFW WKH FDOO EXV\ VLJQDO
$OWHUQDWLYHO\ SUHVV WR UHMHFW WKH FDOO GLUHFWO\
 3UHVV WR HQG WKH FDOO
9ROXPH FRQWURO
'XULQJ D FDOO
8VH WKH VLGH EXWWRQV ±RU WR DGMXVW WKH VRXQG YROXPH 7KH
YROXPH OHYHO LV LQGLFDWHG RQ WKH GLVSOD\
,I \RX XVH D KHDULQJ DLG RU KDYH KHDULQJ GLIILFXOWLHV ZKHQ XVLQJ WKH WHOH
SKRQH LQ D QRLV\ HQYLURQPHQW \RX FDQ DGMXVW WKH SKRQHV DXGLR VHWWLQJV
VHH $XGLR VHWXS  S
6LOHQW
6LOHQW LV D IL[HG SURILOH ZLWK .H\SDG WRQH 0HVVDJH WRQH DQG 5LQJWRQH GLV
DEOHG ZKLOH 9LEUDWLRQ 7DVNV 'DLO\ UHPLQGHU DQG $ODUP DUH XQFKDQJHG
3UHVV DQG KROG VKRUWFXW EXWWRQ WR DFWLYDWH RU GHDFWLYDWH VLOHQW
PRGH
+HDGVHW
:KHQ D KHDGVHW LV FRQQHFWHG WKH LQWHUQDO PLFURSKRQH LQ WKH SKRQH LV
DXWRPDWLFDOO\ GLVFRQQHFWHG ,I DYDLODEOH XVH WKH DQVZHU NH\ RQ WKH KHDG
VHW WR DQVZHU DQG HQG FDOOV

(QJOLVK
&$87,21
8VLQJ D KHDGVHW DW KLJK YROXPH PD\ GDPDJH \RXU KHDULQJ $GMXVW WKH
YROXPH OHYHO FDUHIXOO\ ZKHQ XVLQJ D KHDGVHW
&DOO RSWLRQV
'XULQJ D FDOO WKH VHOHFWLRQ EXWWRQV  JLYH DFFHVV WR DGGLWLRQDO
IXQFWLRQV
2SWLRQV OHIW VHOHFWLRQ EXWWRQ
+ROG VLQJOH FDOO RU 5HWULHYH VLQJOH WR KROG RU UHWULHYH WKH FXUUHQW FDOO
(QG VLQJOH FDOO WR HQG WKH FXUUHQW FDOO VDPH DV 
1HZ FDOO WR FDOO DQRWKHU QXPEHU &RQIHUHQFH
3KRQHERRN WR VHDUFK WKH SKRQHERRN
0HVVDJHV WR ZULWH RU UHDG WH[W PHVVDJHV
0XWH WR GLVDEOH WKH PLFURSKRQH
63. RQ ULJKW VHOHFWLRQ EXWWRQ
7KH ORXGVSHDNHU DOORZV \RX WR VSHDN ZLWKRXW KROGLQJ WKH SKRQH FORVHO\
WR WKH HDU
 3UHVV 63. RQ WR DFWLYDWH 6SHDN FOHDUO\ LQWR WKH SKRQH PLFURSKRQH
DW D PD[LPXP GLVWDQFH RI  P 8VH WR DGMXVW WKH ORXG
VSHDNHU YROXPH
 3UHVV 63. RII WR UHWXUQ WR QRUPDO PRGH
1RWH /RXG EDFNJURXQG QRLVHV PXVLF HWF PD\ LQWHUIHUH ZLWK WKH VRXQG
TXDOLW\
6SHHG GLDO
8VH DQG ²WR VSHHG GLDO DQ HQWU\ IURP VWDQGE\
3UHVV DQG KROG WKH FRUUHVSRQGLQJ NH\
$GG VSHHG GLDO QXPEHUV
 3UHVV 0HQX 6HWWLQJV 3KRQHERRN 6SHHG GLDO
 6HOHFW $GG DQG VHOHFW DQ HQWU\ IURP WKH SKRQHERRN
 3UHVV 2. WR FRQILUP

 6HOHFWLRQ EXWWRQV KDYH PXOWLSOH IXQFWLRQV 7KH FXUUHQW IXQFWLRQ LV VKRZQ
DERYH WKH VHOHFWLRQ EXWWRQ RQ WKH GLVSOD\
(QJOLVK
 5HSHDW WR DGG VSHHG GLDO HQWULHV IRU EXWWRQV ²
7LS 7R HGLW RU GHOHWH DQ H[LVWLQJ HQWU\ VHOHFW LW DQG SUHVV 2SWLRQV
(GLW RU 'HOHWH
626 FDOOV
$V ORQJ DV WKH SKRQH LV VZLWFKHG RQ LW LV DOZD\V SRVVLEOH WR SODFH DQ 626
FDOO E\ HQWHULQJ WKH PDLQ ORFDO HPHUJHQF\ QXPEHU IRU \RXU SUHVHQW ORFD
WLRQ IROORZHG E\
6RPH QHWZRUNV DFFHSW FDOOV WR HPHUJHQF\ QXPEHUV ZLWKRXW D YDOLG 6,0
FDUG &RQWDFW \RXU VHUYLFH SURYLGHU IRU PRUH LQIRUPDWLRQ
&DOO ORJ
5HFHLYHG PLVVHG DQG PDGH FDOOV DUH VDYHG LQ D FRPELQHG FDOO ORJ
 FDOOV RI HDFK W\SH FDQ EH VWRUHG LQ WKH ORJ )RU PXOWLSOH FDOOV UHODWHG WR
WKH VDPH QXPEHU RQO\ WKH PRVW UHFHQW FDOO LV VDYHG
 3UHVV
$OWHUQDWLYHO\ SUHVV 0HQX &DOO ORJ
 8VH WR VHOHFW
5HFHLYHG FDOO
'LDOOHG FDOO
0LVVHG FDOO
 3UHVV WR FDOO RU 2SWLRQV
9LHZ WR VKRZ GHWDLOV IRU WKH VHOHFWHG FDOO
6HQG 606 WR VHQG D WH[W PHVVDJH
6HQG 006 WR VHQG D SLFWXUH PHVVDJH
'HOHWH WR GHOHWH WKH FDOO
'HOHWH DOO WR GHOHWH DOO FDOOV LQ WKH FDOO ORJ
6DYH WR VDYH WKH QXPEHU LQ WKH SKRQHERRN &UHDWH QHZ FUH
DWH QHZ FRQWDFW RU 8SGDWH XSGDWH H[LVWLQJ FRQWDFW
&DOO VHWWLQJV
&DOO WLPH
'XULQJ D FDOO WKH GXUDWLRQ RI WKH FDOO LV VKRZQ <RX FDQ FKHFN WKH GXUD
WLRQ RI \RXU FDOOV

(QJOLVK
 3UHVV 0HQX 6HWWLQJV &DOOV &DOO WLPH
/DVW FDOO WR VKRZ WKH HODSVHG WLPH RI WKH PRVW UHFHQW FDOO
2XWJRLQJ FDOOV WR VKRZ WKH HODSVHG WLPH RI DOO PDGH FDOOV
5HFHLYHG FDOOV WR VKRZ WKH HODSVHG WLPH RI DOO UHFHLYHG FDOOV
5HVHW DOO <HV WR UHVHW DOO
 3UHVV 2. WR FRQILUP
$QVZHU PRGH
 3UHVV 0HQX 6HWWLQJV &DOOV $QVZHU PRGH
 6HOHFW $Q\ NH\ 2Q WR EH DEOH WR DQVZHU LQFRPLQJ FDOOV E\ SUHVV
LQJ DQ\ EXWWRQ H[HPSWLRQ 
 3UHVV 2. WR FRQILUP
6LJQDO /('
 3UHVV 0HQX 6HWWLQJV &DOOV 6LJQDO /('
 6HOHFW 2Q WR HQDEOH QRWLILFDWLRQ OLJKW ZKHQ LQFRPLQJ FDOO DQG QHZ
PHVVDJH
 3UHVV 2. WR FRQILUP
&DOOHU ,'
'LVSOD\ RU KLGH \RXU SKRQH QXPEHU RQ WKH UHFLSLHQWV SKRQH ZKHQ \RX
FDOO
 3UHVV 0HQX 6HWWLQJV &DOOV &DOO VHWXS &DOOHU ,'
6HW E\ QHWZRUN WR XVH GHIDXOW VHWWLQJ E\ WKH QHWZRUN
+LGH ,' WR QHYHU VKRZ \RXU QXPEHU
6HQG ,' WR DOZD\V VKRZ \RXU QXPEHU
 3UHVV 2. WR FRQILUP
&DOO ZDLWLQJ
<RX FDQ KDQGOH PRUH WKDQ RQH FDOO DW D WLPH SXW WKH FXUUHQW FDOO RQ KROG
DQG DQVZHU WKH LQFRPLQJ FDOO :KHQ DFWLYDWHG DQ DOHUW WRQH LV KHDUG LI
WKHUH LV DQ LQFRPLQJ FDOO ZKLOH WDONLQJ
'XULQJ D FDOO SUHVV 2SWLRQV $QVZHU
$FWLYDWH FDOO ZDLWLQJ
 3UHVV 0HQX 6HWWLQJV &DOOV &DOO VHWXS
 6HOHFW &DOO ZDLWLQJ $FWLYDWH
(QJOLVK
 3UHVV 2. WR FRQILUP
7LS 5HSHDW DQG VHOHFW 'HDFWLYDWH WR GLVDEOH FDOO ZDLWLQJ RU 4XHU\ VWDWXV
WR GLVSOD\ LI FDOO ZDLWLQJ LV DFWLYH RU QRW
&DOO GLYHUW
<RX FDQ GLYHUW FDOOV WR DQ DQVZHULQJ VHUYLFH RU WR DQRWKHU SKRQH QXPEHU
6HW XS ZKLFK FDOOV VKRXOG EH GLYHUWHG 6HOHFW D FRQGLWLRQ DQG SUHVV 2.
WKHQ VHOHFW $FWLYDWH'HDFWLYDWH RU 4XHU\ VWDWXV IRU HDFK
 3UHVV 0HQX 6HWWLQJV &DOOV &DOO VHWXS &DOO GLYHUW
9RLFH FDOOV WR GLYHUW DOO YRLFH FDOOV
8QUHDFKDEOH WR GLYHUW LQFRPLQJ FDOOV LI WKH SKRQH LV WXUQHG RII
RU RXW RI UDQJH
1R UHSO\ WR GLYHUW LQFRPLQJ FDOOV LI XQDQVZHUHG
,I EXV\ WR GLYHUW LQFRPLQJ FDOOV LI WKH OLQH LV EXV\
&DQFHO GLYHUWV WR FDQFHO DOO FDOO GLYHUW VHWWLQJV
 3UHVV 2. WR FRQILUP
&DOO EDUULQJ
<RXU SKRQH FDQ EH UHVWULFWHG WR GLVDOORZ FHUWDLQ W\SHV RI FDOOV
1RWH $ SDVVZRUG LV QHHGHG WR DSSO\ FDOO EDUULQJ &RQWDFW \RXU VHUYLFH
SURYLGHU WR JHW WKH SDVVZRUG
 3UHVV 0HQX 6HWWLQJV &DOOV &DOO VHWXS &DOO EDUULQJ
 6HOHFW 2XWJRLQJ FDOOV
$OO FDOOV WR DQVZHU LQFRPLQJ FDOOV EXW QRW FDOOLQJ
,QWHUQDWFDOOV WR EORFN FDOOV WR LQWHUQDWLRQDO QXPEHUV
,QW H[FHSW KRPH WR EORFN LQWHUQDWLRQDO FDOOV H[FHSW WR WKH FRXQ
WU\ DVVRFLDWHG ZLWK WKH 6,0 FDUG
 3UHVV 2. WR FRQILUP
 6HOHFW ,QFRPLQJ FDOOV
$OO FDOOV WR FDOO EXW QRW WR UHFHLYH LQFRPLQJ FDOOV
:KHQ URDPLQJ WR EORFN LQFRPLQJ FDOOV ZKLOH URDPLQJ RSHUDWLQJ
LQ RWKHU QHWZRUNV
 3UHVV 2. WR FRQILUP

(QJOLVK
 6HOHFW &DQFHO DOO WR FDQFHO DOO FDOO EDUULQJ SDVVZRUG QHHGHG 3UHVV
2. WR FRQILUP
)L[HG GLDO )'1
<RX FDQ OLPLW FDOOV WR FHUWDLQ QXPEHUV VDYHG RQ WKH 6,0 FDUG 7KH OLVW RI
DOORZHG QXPEHUV LV SURWHFWHG E\ \RXU 3,1FRGH
1RWH 7KH 3,1FRGH LV QHHGHG WR DSSO\ IL[HG GLDO &RQWDFW \RXU VHUYLFH
SURYLGHU WR JHW WKH 3,1FRGH
 3UHVV 0HQX 6HWWLQJV 6HFXULW\ )L[HG GLDO
0RGH 2Q WR HQDEOH RU 2II WR GLVDEOH
)L[HG QXPEHUV $GG DQG HQWHU WKH ILUVW DOORZHG QXPEHU
$OWHUQDWLYHO\ VHOHFW DQ HQWU\ DQG SUHVV 2SWLRQV $GG(GLW RU
'HOHWH
 ,I QHHGHG HQWHU 3,1 DQG SUHVV 2. WR FRQILUP
1RWH <RX FDQ VDYH SDUWV RI SKRQH QXPEHUV )RU H[DPSOH LI \RX VDYH
 DOORZV FDOOV WR DOO QXPEHUV VWDUWLQJ ZLWK  ,W LV SRVVLEOH WR
SODFH DQ 626 FDOO E\ HQWHULQJ WKH PDLQ ORFDO HPHUJHQF\ QXPEHU IROORZHG
E\ HYHQ ZKHQ IL[HG GLDO LV DFWLYDWHG :KHQ IL[HG GLDO LV DFWLYDWHG
\RX DUH QRW DOORZHG WR YLHZ RU PDQDJH DQ\ SKRQH QXPEHUV VDYHG RQ WKH
6,0 FDUG <RX DUH QRW DEOH WR VHQG DQ\ WH[W PHVVDJHV HLWKHU
3KRQHERRN
7KH SKRQHERRN FDQ VWRUH  HQWULHV ZLWK  SKRQH QXPEHUV LQ HDFK
HQWU\
$GG FRQWDFW
 3UHVV 0HQX 3KRQHERRN 1HZ FRQWDFW $GG
 (QWHU D 1DPH IRU WKH FRQWDFW VHH (QWHU WH[W  S 'HOHWH
ZLWK &OHDU
 8VH WR VHOHFW 0RELOH+RPH RU 2IILFH DQG HQWHU WKH
SKRQH QXPEHUV LQFOXGLQJ WKH DUHD FRGH
 6HOHFW (PDLO WR DVVRFLDWH HPDLO DGGUHVV WR WKH FRQWDFW VHH (
PDLO VHWWLQJV S
(QJOLVK
 6HOHFW 3LFWXUH (GLW WR DVVRFLDWH SLFWXUH WR WKH FRQWDFW VHH
3KRQHERRN SLFWXUH S
7DNH SLFWXUH WR XVH WKH FDPHUD WR WDNH D SLFWXUH
0\ SLFWXUHV WR VHOHFW DQ H[LVWLQJ SLFWXUH
 6HOHFW 5LQJWRQH (GLW WR DVVRFLDWH ULQJWRQH WR WKH FRQWDFW VHH
7RQH VHWXS ULQJWRQH S
6\VWHP WR VHOHFW IURP SUHLQVWDOOHG ILOHV
8VHU WR VHOHFW IURP \RXU GRZQORDGV
3UHVV 6DYH
7LS )RU LQWHUQDWLRQDO FDOOV DOZD\V XVH EHIRUH WKH FRXQWU\ FRGH IRU EHVW
RSHUDWLRQ 3UHVV WZLFH IRU WKH LQWHUQDWLRQDO SUHIL[
0DQDJH SKRQHERRN FRQWDFWV
 3UHVV 0HQX 3KRQHERRN
 6HOHFW D FRQWDFW WKHQ SUHVV 2SWLRQV
9LHZ WR VKRZ GHWDLOV IRU WKH VHOHFWHG FRQWDFW 3KRQH VWRU
DJH VHW WR 3KRQH DQG 6,0 VWRUDJH VHW WR 6,0 VHH 3KRQH
ERRN VWRUDJH S
(GLW WR HGLW WKH FRQWDFW 8VH WR VFUROO 'HOHWH ZLWK &OHDU
3UHVV 6DYH ZKHQ GRQH
7RS  WR VHW WKH HQWU\ DV RQH RI WKH ILUVW  FRQWDFWV OLVWHG LQ
WKH SKRQHERRN 6HH 7RS  S
&DOO WR FDOO WKH FRQWDFW
$GG WR DGG FRQWDFW 6HH $GG FRQWDFW S
6HQG 606 WR FUHDWH WH[W PHVVDJH VHH &UHDWH DQG VHQG WH[W
PHVVDJH 606 S
6HQG 006 WR FUHDWH SLFWXUH PHVVDJH VHH &UHDWH DQG VHQG SLF
WXUH PHVVDJH 006 S
6HQG HPDLO WR FUHDWH HPDLO PHVVDJH VHH &UHDWH DQG VHQG H
PDLO S
'HOHWH WR GHOHWH WKH VHOHFWHG FRQWDFW 3UHVV <HV WR FRQILUP RU
1R WR DERUW
'HOHWH DOO )URP 6,0)URP SKRQH WR GHOHWH DOO SKRQHERRN
FRQWDFWV IURP WKH 6,0 FDUG RU SKRQH PHPRU\ (QWHU WKH SKRQH
FRGH DQG SUHVV 2. WR FRQILUP 7KH GHIDXOW SKRQH FRGH LV 
(QJOLVK
&RS\ DOO )URP 6,0 WR FRS\ DOO SKRQHERRN FRQWDFWV IURP WKH
6,0 FDUG WR WKH SKRQH PHPRU\ RU )URP SKRQH WR FRS\ DOO FRQ
WDFWV IURP WKH SKRQH PHPRU\ WR WKH 6,0 FDUG 3UHVV <HV WR FRQ
ILUP RU 1R WR DERUW
6HQG Y&DUG
6HQG E\ 606 VHH &UHDWH DQG VHQG WH[W PHVVDJH 606
S
6HQG E\ 006 VHH &UHDWH DQG VHQG SLFWXUH PHVVDJH
006 S
6HQG E\ %OXHWRRWK VHH %OXHWRRWK S
6HQG E\ HPDLO VHH &UHDWH DQG VHQG HPDLO S
 3UHVV 2. WR FRQILUP
3KRQHERRN VHWWLQJV
2ZQHU QXPEHU
7KH SKRQH QXPEHU DVVLJQHG WR \RXU 6,0 FDUG LV VDYHG DV 2ZQHU QXPEHU
LI WKLV LV DOORZHG E\ WKH FDUG
$GG QXPEHUV
 3UHVV 0HQX 3KRQHERRN 2ZQHU QXPEHU (PSW\ $GG
 (QWHU QDPH DQG QXPEHU VHH (QWHU WH[W  S
 :KHQ GRQH SUHVV 2.
3KRQHERRN VWRUDJH
 3UHVV 0HQX 6HWWLQJV 3KRQHERRN 6WRUDJH
6,0 WR VDYH XS WR  SKRQH QXPEHUV DQG RQH HPDLO DGGUHVV SHU
FRQWDFW
3KRQH WR VDYH  FRQWDFWV ZLWK  SKRQH QXPEHUV HDFK 0R
ELOH+RPH2IILFH $V ZHOO DV RQH HPDLO DGGUHVV DQG 3KRQH
ERRN SLFWXUH WR DVVLJQ LPDJHV WR FRQWDFWV DQG 5LQJWRQH WR
DVVLJQ VSHFLILF ULQJWRQHV WR FRQWDFWV
 3UHVV 2. WR FRQILUP
1RWH 1XPEHU DQG OHQJWK RI WKH SKRQH QXPEHUVFRQWDFWV WKDW FDQ EH
VWRUHG ZLOO YDU\ GHSHQGLQJ RQ 6,0 FDUGVHUYLFH SURYLGHU SUHIHUHQFHV
3KRQHERRN SLFWXUH
<RX FDQ FKDQJH WKH SKRQHERRN YLHZ PRGH

(QJOLVK
 3UHVV 0HQX 6HWWLQJV 3KRQHERRN 3KRQHERRN SLFWXUH
2Q WR GLVSOD\ WKH FRQWDFW·V DVVRFLDWH SLFWXUH LI H[LVWLQJ
2II WR GLVSOD\ RQO\ WKH QDPHV RI FRQWDFWV
 3UHVV 2. WR FRQILUP
9RLFH PDLO
,I \RXU VXEVFULSWLRQ LQFOXGHV DQ DQVZHULQJ VHUYLFH FDOOHUV FDQ OHDYH D
YRLFH PDLO PHVVDJH ZKHQ \RX DUH XQDEOH WR DQVZHU D FDOO 9RLFH PDLO LV D
QHWZRUN VHUYLFH DQG \RX PD\ QHHG WR VXEVFULEH WR LW ILUVW )RU PRUH LQIRU
PDWLRQ DQG IRU WKH YRLFH PDLO QXPEHU FRQWDFW \RXU VHUYLFH SURYLGHU
 3UHVV 0HQX 6HWWLQJV 3KRQHERRN 9RLFH PDLO
 6HOHFW (PSW\ $GG
3KRQHERRN WR DGG D FRQWDFW IURP WKH 3KRQHERRN 3UHVV 2. WR
FRQILUP
0DQXDO DQG HQWHU QDPH DQG QXPEHU
 3UHVV 2. WR FRQILUP
7R HGLW RU GHOHWH DQ H[LVWLQJ HQWU\ VHOHFW LW DQG SUHVV 2SWLRQV (GLW RU
'HOHWH
&DOO YRLFH PDLO
3UHVV DQG KROG VKRUWFXW EXWWRQ
7RS 
6HW DQ HQWU\ DV RQH RI WKH ILUVW  FRQWDFWV OLVWHG LQ WKH SKRQHERRN
 3UHVV WKH VKRUWFXW EXWWRQ
RU SUHVV 0HQX 6HWWLQJV 3KRQHERRN 7RS 
 6HOHFW RQH RI WKH HPSW\ HQWULHV DQG SUHVV $GG
 8VH WR VFUROO WKURXJK WKH SKRQHERRN RU TXLFN VHDUFK E\
SUHVVLQJ WKH NH\ FRUUHVSRQGLQJ WR WKH ILUVW OHWWHU RI WKH HQWU\
 3UHVV 2. WR VDYH WKH VHOHFWHG HQWU\ RU SUHVV %DFN WR GLVFDUG
FKDQJHV
7R HGLW RU GHOHWH DQ H[LVWLQJ HQWU\ VHOHFW 2SWLRQV (GLW RU 'HOHWH
7LS <RX FDQ DOVR DGG DQ HQWU\ IURP WKH SKRQHERRN 6HOHFW WKH
FRQWDFW DQG SUHVV 2SWLRQV 7RS 

(QJOLVK
,&( ,Q &DVH RI (PHUJHQF\
)LUVW UHVSRQGHUV FDQ DFFHVV DGGLWLRQDO LQIRUPDWLRQ VXFK DV PHGLFDO LQIRU
PDWLRQ IURP WKH YLFWLPV SKRQH LQ FDVH RI HPHUJHQF\ ,Q WKH HYHQW
RI D WUDXPD LW LV FULWLFDO WR KDYH WKLV LQIRUPDWLRQ DV HDUO\ DV SRVVLEOH WR LQ
FUHDVH WKH FKDQFHV RI VXUYLYDO $OO ILHOGV DUH RSWLRQDO EXW WKH PRUH LQIRU
PDWLRQ SURYLGHG WKH EHWWHU
 3UHVV 0HQX 3KRQHERRN ,&(
 8VH WR VFUROO WKH OLVW RI HQWULHV
 3UHVV (GLW WR DGG RU HGLW LQIRUPDWLRQ LQ HDFK HQWU\ VHH (QWHU WH[W
 S 'HOHWH ZLWK &OHDU
,'
1DPH HQWHU \RXU QDPH
%LUWK HQWHU \RXU GDWH RI ELUWK
+HLJKW HQWHU \RXU KHLJKW
:HLJKW HQWHU \RXU ZHLJKW
$GGUHVV HQWHU \RXU KRPH DGGUHVV
/DQJXDJH HQWHU \RXU SUHIHUUHG ODQJXDJH
,QVXUDQFH HQWHU \RXU LQVXUDQFH SURYLGHU DQG SROLF\ QXPEHU
&RQWDFW &RQWDFW  DQG 'RFWRU
3UHVV 2SWLRQV WR $GG RU 'HOHWH D FRQWDFW IURP WKH SKRQHERRN
RU 6DYH WR DFFHSW WKH FXUUHQW HQWU\
,I SRVVLEOH DGG \RXU UHODWLRQVKLS WR \RXU ,&( FRQWDFWV LQ WKH
SKRQHERRN VXFK DV ´,&( :LIH 0DU\ 6PLWKµ
,PSRUWDQW LQIR
&RQGLWLRQ HQWHU DQ\ PHGLFDO FRQGLWLRQV RU PHGLFDO GHYLFHV HJ
GLDEHWLF SDFHPDNHU
$OOHUJLHV HQWHU DQ\ NQRZQ DOOHUJLHV HJ SHQLFLOOLQ EHH VWLQJV
%ORRG W\SH HQWHU \RXU EORRG W\SH
9DFFLQDWLRQ HQWHU DQ\ UHOHYDQW YDFFLQDWLRQ
0HGLFDWLRQ HQWHU DQ\ PHGLFDWLRQ WKDW \RX DUH WUHDWHG ZLWK
2WKHU LQIR HQWHU RWKHU LQIRUPDWLRQ HJ RUJDQ GRQRU OLYLQJ ZLOO
FRQVHQW WR WUHDW
 :KHQ GRQH SUHVV 6DYH

(QJOLVK
$VVLVWDQFH EXWWRQ
&$87,21
:KHQ DQ DVVLVWDQFH FDOO LV DFWLYDWHG WKH SKRQH LV SUHVHW WR KDQGVIUHH
VSHDNHUSKRQH PRGH 'R QRW KROG WKH GHYLFH QHDU \RXU HDU ZKHQ WKH
KDQGVIUHH PRGH LV LQ XVH EHFDXVH WKH YROXPH PD\ EH H[WUHPHO\ ORXG
7KH DVVLVWDQFH EXWWRQ DOORZV HDV\ DFFHVV WR FRQWDFW \RXU SUHGHILQHG KHOS
QXPEHUV 1XPEHU OLVW VKRXOG \RX QHHG KHOS 0DNH VXUH WKDW WKH DVVLV
WDQFH IXQFWLRQ LV DFWLYDWHG EHIRUH XVH HQWHU UHFLSLHQWV LQ WKH QXPEHUV
OLVW DQG HGLW WKH WH[W PHVVDJH
0DNH DQ DVVLVWDQFH FDOO
 :KHQ KHOS LV QHHGHG SUHVV DQG KROG WKH DVVLVWDQFH EXWWRQ IRU 
VHFRQGV RU SUHVV LW WZLFH ZLWKLQ  VHFRQG
7KH DVVLVWDQFH FDOO EHJLQV DIWHU D GHOD\ RI  VHFRQGV ,Q WKLV WLPH
\RX FDQ SUHYHQW D SRVVLEOH IDOVH DODUP E\ SUHVVLQJ
 $Q DVVLVWDQFH WH[W PHVVDJH 606 LV VHQW WR DOO UHFLSLHQWV
 7KH ILUVW UHFLSLHQW LQ WKH OLVW LV FDOOHG ,I WKH FDOO LV QRW DQVZHUHG ZLWK
LQ  VHFRQGV WKH QH[W QXPEHU LV FDOOHG &DOOLQJ LV UHSHDWHG  WLPHV
RU XQWLO WKH FDOO LV DQVZHUHG RU XQWLO LV SUHVVHG
1RWH 6RPH SULYDWH VHFXULW\ FRPSDQLHV FDQ DFFHSW DXWRPDWLF FDOOV IURP
WKHLU FOLHQWV $OZD\V FRQWDFW WKH VHFXULW\ FRPSDQ\ EHIRUH XVLQJ WKHLU
SKRQH QXPEHU
7LS 7KH DVVLVWDQFH IXQFWLRQ PD\ EH FRQILJXUHG VR WKDW WKH UHFLSLHQW RI
WKH FDOO PXVW SUHVV ]HUR WR FRQILUP LQ RUGHU WR VWRS WKH DODUP
VHTXHQFH 6HH &RQILUP ZLWK  S
(QJOLVK
,03257$17
,QIRUPDWLRQ WR WKH UHFLSLHQW RI DQ DVVLVWDQFH FDOO ZKHQ &RQILUP ZLWK
 LV DFWLYDWHG
$IWHU UHFHLYLQJ WKH DVVLVWDQFH PHVVDJH HDFK QXPEHU LQ WKH
1XPEHU OLVW LV FDOOHG VHTXHQWLDOO\
7R FRQILUP WKH DVVLVWDQFH FDOO WKH UHFLSLHQW QHHGV WR SUHVV
,I WKH UHFLSLHQW GRHVQ·W SUHVV ZLWKLQ  VHFRQGV DIWHU
DQVZHULQJ WKH FDOO ZLOO EH GLVFRQQHFWHG DQG WKH QH[W QXPEHU
LQ WKH VHTXHQFH ZLOO EH FDOOHG
,I WKH UHFLSLHQW SUHVVHV ZLWKLQ  VHFRQGV WKH FDOO LV
FRQILUPHG DQG QR IXUWKHU FDOO DWWHPSWV ZLOO EH PDGH
DVVLVWDQFH VHTXHQFH LQWHUUXSWHG
$FWLYDWLRQ
6HOHFW KRZ WR DFWLYDWH WKH DVVLVWDQFH IXQFWLRQ XVLQJ WKH DVVLVWDQFH
EXWWRQ
 3UHVV 0HQX 6HWWLQJV $VVLVWDQFH $FWLYDWLRQ
2Q 1RUPDO WR SUHVV DQG KROG WKH EXWWRQ IRU DSSUR[LPDWHO\ 
VHFRQGV RU SUHVV LW WZLFH ZLWKLQ  VHFRQG
2Q  WR SUHVV WKH EXWWRQ  WLPHV ZLWKLQ  VHFRQG
2II WR GLVDEOH WKH DVVLVWDQFH EXWWRQ
 3UHVV 2. WR FRQILUP
1XPEHU OLVW
$GG QXPEHUV WR WKH OLVW WKDW LV FDOOHG ZKHQ WKH DVVLVWDQFH EXWWRQ LV
SUHVVHG
,03257$17
$OZD\V LQIRUP UHFLSLHQWV LQ WKH 1XPEHU OLVW WKDW WKH\ DUH OLVWHG DV \RXU
DVVLVWDQFH FRQWDFWV
 3UHVV 0HQX 6HWWLQJV $VVLVWDQFH 1XPEHU OLVW
 6HOHFW (PSW\ $GG 3KRQHERRN WR DGG D FRQWDFW IURP WKH
SKRQHERRN
$OWHUQDWLYHO\ SUHVV 0DQXDO WR DGG QDPHV RU QXPEHUV PDQXDOO\ 6HH
$GG FRQWDFW S
 3UHVV 2. WR FRQILUP

(QJOLVK
 5HSHDW XQWLO \RX KDYH  FRQWDFWV PD[LPXP
7LS 7R HGLW RU GHOHWH DQ H[LVWLQJ HQWU\ VHOHFW LW DQG SUHVV 2SWLRQV
(GLW RU 'HOHWH
$FWLYDWH WH[W PHVVDJHV 606
$ WH[W PHVVDJH FDQ EH VHQW WR WKH FRQWDFWV LQ WKH QXPEHUV OLVW ZKHQ WKH
DVVLVWDQFH EXWWRQ LV SUHVVHG
$FWLYDWLRQ
 3UHVV 0HQX 6HWWLQJV $VVLVWDQFH 606 $FWLYDWLRQ
2Q WR VHQG D WH[W PHVVDJH EHIRUH FDOOLQJ
2II WR FDOO ZLWKRXW VHQGLQJ D WH[W PHVVDJH ILUVW
 3UHVV 2. WR FRQILUP
&UHDWH DVVLVWDQFH PHVVDJH
 3UHVV 0HQX 6HWWLQJV $VVLVWDQFH 606 0HVVDJH
 6HOHFW (GLW DQG ZULWH WKH PHVVDJH VHH (QWHU WH[W  S
 3UHVV 2. WR FRQILUP
1RWH <RX PXVW ZULWH D PHVVDJH LI \RX DFWLYDWH WKH 606 IXQFWLRQ
$VVLVWDQFH VHWWLQJV
&RQILUP ZLWK 
<RX FDQ DFWLYDWH WKH &RQILUP ZLWK  IXQFWLRQ 7KLV LV HVSHFLDOO\ UHFRP
PHQGHG LI WKHUH LV D ULVN WKDW WKH DVVLVWDQFH FDOO LV DQVZHUHG E\ D YRLFH
PDLO RU DQVZHULQJ VHUYLFH ,I WKH UHFLSLHQW GRHVQ·W SUHVV ZLWKLQ  VHF
RQGV WKH FDOO ZLOO EH GLVFRQQHFWHG DQG WKH QH[W QXPEHU LQ WKH VHTXHQFH
ZLOO EH FDOOHG ,I WKH UHFLSLHQW SUHVVHV ZLWKLQ  VHFRQGV WKH FDOO LV
FRQILUPHG DQG QR IXUWKHU FDOO DWWHPSWV ZLOO EH PDGH DVVLVWDQFH VH
TXHQFH LQWHUUXSWHG
 3UHVV 0HQX 6HWWLQJV $VVLVWDQFH &RQILUP ZLWK 
 6HOHFW 2Q WR HQDEOH RU 2II WR GLVDEOH
 3UHVV 2. WR FRQILUP
6LJQDO W\SH
6HOHFW WKH QRWLILFDWLRQ VLJQDO W\SH IRU WKH DVVLVWDQFH VHTXHQFH
 3UHVV 0HQX 6HWWLQJV $VVLVWDQFH 6LJQDO W\SH

(QJOLVK
+LJK WR XVH ORXG VLJQDOV GHIDXOW
/RZ WR XVH RQH ORZ VLJQDO
6LOHQW QR VRXQG LQGLFDWLRQ OLNH D QRUPDO FDOO
 3UHVV 2. WR FRQILUP
0HVVDJHV
&UHDWH DQG VHQG WH[W PHVVDJH 606
1RWH %HIRUH \RX FDQ VHQG DQ\ WH[W PHVVDJHV \RX QHHG WR VDYH \RXU
PHVVDJH FHQWUH QXPEHU 7KH QXPEHU WR \RXU VHUYLFH FHQWUH LV VXSSOLHG
E\ \RXU VHUYLFH SURYLGHU DQG LV XVXDOO\ VHW RQ WKH 6,0 FDUG ,I QRW \RX FDQ
HQWHU WKH QXPEHU \RXUVHOI 6HH 606 FHQWUH S
 3UHVV 0HQX 0HVVDJHV &UHDWH QHZ 606
 :ULWH \RXU PHVVDJH VHH (QWHU WH[W  S WKHQ SUHVV 7R
 6HOHFW D UHFLSLHQW IURP 3KRQHERRN
$OWHUQDWLYHO\ VHOHFW (QWHU QXPEHU WR DGG UHFLSLHQW PDQXDOO\ DQG
SUHVV 'RQH
 3UHVV $GG WR DGG PRUH UHFLSLHQWV
<RX FDQ PRGLI\ WKH UHFLSLHQWV E\ VHOHFWLQJ RQH SUHVV 2SWLRQV
(GLW'HOHWH RU 'HOHWH DOO
 3UHVV 6HQG WR VHQG
1RWH ,I \RX FKRRVH WR DGG PXOWLSOH UHFLSLHQWV \RX ZLOO EH FKDUJHG IRU
HDFK UHFLSLHQW PD[LPXP  )RU LQWHUQDWLRQDO FDOOV DOZD\V XVH
EHIRUH WKH FRXQWU\ FRGH IRU EHVW RSHUDWLRQ 3UHVV WZLFH IRU WKH
LQWHUQDWLRQDO SUHIL[
&UHDWH DQG VHQG SLFWXUH PHVVDJH 006
$ SLFWXUH PHVVDJH FDQ FRQWDLQ WH[W DQG PHGLD REMHFWV VXFK DV SLFWXUHV
VRXQG UHFRUGLQJV DQG YLGHR %RWK \RX DQG WKH UHFLSLHQW PXVW KDYH VXE
VFULSWLRQV WKDW VXSSRUW SLFWXUH PHVVDJH 7KH VHWWLQJV IRU SLFWXUH PHV
VDJH DUH VXSSOLHG E\ \RXU VHUYLFH SURYLGHU DQG FDQ EH VHQW WR \RX
DXWRPDWLFDOO\ YLD WH[W PHVVDJH ,I QRW VHH 006 VHWWLQJV S RQ KRZ WR
VHW \RXU 006 SURILOH
 3UHVV 0HQX 0HVVDJHV &UHDWH QHZ 006
(QJOLVK
 :ULWH \RXU PHVVDJH VHH (QWHU WH[W  S
 3UHVV 2SWLRQV $GG SLFWXUH
0\ SLFWXUHV WR VHOHFW D ILOH
7DNH SLFWXUH WR XVH WKH FDPHUD WR WDNH D SLFWXUH
1RWH ,I \RX DGG PRUH WKDQ RQH SLFWXUH WKH IROORZLQJ SLFWXUHV
DUH LQFUHDVLQJO\ FRPSUHVVHG E\ WKH SKRQH VFDOHG GRZQ 7KLV
WR DOORZ \RX WR VHQG PRUH SLFWXUHV LQ RQH PHVVDJH 7R NHHS
EHVW SLFWXUH TXDOLW\ VHQG RQO\ RQH SLFWXUH SHU PHVVDJH
<RX FDQ DOVR $GG VRXQG DQG $GG YLGHR XVLQJ WKH 2SWLRQV PHQX
 3UHVV 2SWLRQV $GG VXEMHFW DQG HQWHU \RXU VXEMHFW WKHQ SUHVV
'RQH
 3UHVV 2SWLRQV 7R DQG VHOHFW UHFLSLHQW IURP 3KRQHERRN
$OWHUQDWLYHO\ VHOHFW (QWHU QXPEHU WR DGG UHFLSLHQW PDQXDOO\ DQG
SUHVV 'RQH
 3UHVV $GG WR DGG PRUH UHFLSLHQWV
3UHVV 6HQG WR VHQG
&UHDWH DQG VHQG YRLFH PHVVDJH
$ YRLFH PHVVDJH XVHV WKH VDPH WHFKQRORJ\ DV D SLFWXUH PHVVDJH %RWK
\RX DQG WKH UHFLSLHQW PXVW KDYH VXEVFULSWLRQV WKDW VXSSRUW SLFWXUH PHV
VDJH 7KH VHWWLQJV IRU SLFWXUH PHVVDJH DUH VXSSOLHG E\ \RXU VHUYLFH SUR
YLGHU DQG FDQ EH VHQW WR \RX DXWRPDWLFDOO\ YLD WH[W PHVVDJH ,I QRW VHH
006 VHWWLQJV S RQ KRZ WR VHW \RXU 006 SURILOH
 3UHVV 0HQX 0HVVDJHV
 6HOHFW &UHDWH QHZ 9RLFH PHVVDJH
 5HFRUGLQJ VWDUWV LPPHGLDWHO\ 3UHVV 6WRS ZKHQ GRQH DQG SUHVV <HV
WR VDYH
 6HOHFW UHFLSLHQW IURP 3KRQHERRN
$OWHUQDWLYHO\ VHOHFW (QWHU QXPEHU WR DGG UHFLSLHQW PDQXDOO\ DQG
SUHVV 'RQH
 3UHVV $GG WR DGG PRUH UHFLSLHQWV
 3UHVV 6HQG WR VHQG

(QJOLVK
&UHDWH DQG VHQG HPDLO
,03257$17
8VLQJ GDWD VHUYLFHV FDQ EH FRVWO\ :H UHFRPPHQG WKDW \RX FKHFN \RXU
GDWD UDWHV ZLWK \RXU VHUYLFH SURYLGHU
<RX FDQ VHQG RU YLHZ HPDLO PHVVDJHV XVLQJ \RXU SHUVRQDO RU FRPSDQ\ H
PDLO DFFRXQW 6HH (PDLO VHWWLQJV S RQ KRZ WR VHWXS \RXU HPDLO
 3UHVV 0HQX 0HVVDJHV &UHDWH QHZ (PDLO
 :ULWH \RXU PHVVDJH VHH (QWHU WH[W  S
 6HOHFW 2SWLRQV
 6HOHFW 7R DQG VHOHFW UHFLSLHQW IURP 3KRQHERRN
$OWHUQDWLYHO\ VHOHFW (QWHU UHFLSLHQW WR DGG UHFLSLHQW PDQXDOO\ DQG
SUHVV 'RQH
 3UHVV $GG WR DGG PRUH UHFLSLHQWV
 3UHVV %DFN
)URP 2SWLRQV $GG VXEMHFW
 )URP 2SWLRQV $GG SLFWXUH
0\ SLFWXUHV WR VHOHFW D ILOH
7DNH SLFWXUH WR XVH WKH FDPHUD WR WDNH D SLFWXUH
<RX FDQ DOVR $GG VRXQG DQG $GG YLGHR XVLQJ WKH 2SWLRQV PHQX
 3UHVV 6HQG WR VHQG
6ZLWFK EHWZHHQ DFFRXQWV
,I \RX FUHDWH PRUH WKDQ WZR HPDLO DFFRXQWV \RX FDQ VZLWFK EHWZHHQ
WKHP
 3UHVV 0HQX 0HVVDJHV (PDLO &KDQJH DFFRXQW
$FFRXQWV
 8VH WR VHOHFW DFFRXQW
'RZQORDG HPDLO
3UHVV 0HQX 0HVVDJHV (PDLO ,QER[
1RWH $IWHU FRQILJXULQJ \RXU DFFRXQW \RX FDQ YLHZ SUHYLRXVO\ UHWULHYHG H
PDLO RIIOLQH RU FRQQHFW WR WKH HPDLO VHUYHU WR YLHZ QHZ PHVVDJHV $IWHU
\RX UHWULHYH HPDLO PHVVDJHV \RX FDQ YLHZ WKHP RIIOLQH

(QJOLVK
,QER[ 2XWER[ DQG 6HQW
 3UHVV VKRUWFXW EXWWRQ
$OWHUQDWLYHO\ SUHVV 0HQX 0HVVDJHV
 6HOHFW ,QER[2XWER[ RU 6HQW
 6HOHFW D PHVVDJH DQG SUHVV 5HDG 8VH WR VFUROO XSGRZQ
 3UHVV 2SWLRQV
9LHZ 006 RQO\ WR YLHZ WKH PHVVDJH
&DOO WR FDOO WKH FRQWDFW
5HVHQG WR VHQG DJDLQ WR WKH VDPH UHFLSLHQW
5HSO\ WR ZULWH \RXU UHSO\ WKHQ SUHVV 6HQG 7KH PHVVDJH LV VHQW
LPPHGLDWHO\
'HOHWH WR GHOHWH 3UHVV <HV WR GHOHWH RU 1R WR UHWXUQ
'RZQORDG&DQFHO GRZQORDG ,I WKH PHVVDJH LV QRW GRZQORDGHG
\HW SUHVV 'RZQORDG
(GLW WR HGLW WKH PHVVDJH WKHQ SUHVV 6HQG
)RUZDUG WR IRUZDUG WKH PHVVDJH (GLW WKH PHVVDJH LI GHVLUHG
WKHQ SUHVV 6HQG
8VH DGGUHVV WR GLVSOD\ HPDLO DGGUHVVHV FRQWDLQHG LQ WKH
PHVVDJH
2SWLRQV 6DYH &UHDWH QHZ RU 8SGDWH
2SWLRQV 6HQG PDLO WR ZULWH D QHZ HPDLO
8VH QXPEHU WR GLVSOD\ DOO SKRQH QXPEHUV FRQWDLQHG LQ WKH
PHVVDJH DV ZHOO DV WKH VHQGHUV QXPEHU
&DOO WR FDOO WKH VHOHFWHG QXPEHU
6DYH WR VDYH WKH QXPEHU LQ WKH SKRQHERRN
6HQG 606 WR ZULWH D QHZ WH[W PHVVDJH
6HQG 006 WR ZULWH D QHZ SLFWXUH PHVVDJH
6DYH REMHFWV 006 RQO\ WR VDYH WH[W DQG PHGLD REMHFWV VXFK
DV SLFWXUHV VRXQG UHFRUGLQJV DQG YLGHR
'HWDLOV 006 RQO\ WR YLHZ GHWDLOV RI WKH PHVVDJH
 3UHVV 2. WR FRQILUP
(QJOLVK
0HVVDJH VHWWLQJV
3UHGLFWLYH WH[W
 3UHVV 0HQX 6HWWLQJV 0HVVDJHV 3UHGLFWLYH WH[W
 6HOHFW 2Q GHIDXOW WR HQDEOH RU 2II WR GLVDEOH
 3UHVV 2. WR FRQILUP
:ULWLQJ ODQJXDJH
 3UHVV 0HQX 6HWWLQJV 0HVVDJHV :ULWLQJ ODQJXDJH
 8VH WR VHOHFW D ODQJXDJH
 3UHVV 2. WR FRQILUP
:ULWH VSHHG
<RX FDQ FKDQJH WKH VSHHG DW ZKLFK NH\SDG FKDUDFWHUV UHSHDW EHIRUH WKH
FXUVRU PRYHV RQ WR WKH QH[W FKDUDFWHU
 3UHVV 0HQX 6HWWLQJV 0HVVDJHV
 6HOHFW :ULWH VSHHG 6ORZ1RUPDO RU )DVW
 3UHVV 2. WR FRQILUP
606 VHWWLQJV
3UHVV 0HQX 6HWWLQJV 0HVVDJHV 606 VHWWLQJV
0HPRU\ VWDWXV
 )URP 606 VHWWLQJV VHOHFW 0HPRU\ VWDWXV WR GLVSOD\ WKH PHPRU\
VSDFH XVHG RQ WKH 6,0 FDUG DQG LQ WKH SKRQH PHPRU\ 3KRQH PHP
RU\ FDQ VWRUH XS WR  PHVVDJHV
 3UHVV %DFN WR UHWXUQ
6WRUDJH
 )URP 606 VHWWLQJV VHOHFW 6WRUDJH
6,0 GHIDXOW WR VWRUH PHVVDJHV RQ WKH 6,0 FDUG
3KRQH WR VWRUH PHVVDJHV LQ WKH SKRQH PHPRU\
 3UHVV 2. WR FRQILUP
606 FHQWUH
 )URP 606 VHWWLQJV VHOHFW 606 FHQWUH (GLW
 (QWHU WKH VHUYLFH FHQWUH QXPEHU 3UHVV &OHDU WR GHOHWH
 3UHVV 2. WR FRQILUP

(QJOLVK
&HOO EURDGFDVW
<RX FDQ UHFHLYH PHVVDJHV RQ YDULRXV WRSLFV IURP \RXU VHUYLFH SURYLGHU
VXFK DV ZHDWKHU RU WUDIILF FRQGLWLRQV LQ D SDUWLFXODU UHJLRQ )RU DYDLODEOH
FKDQQHOV DQG UHOHYDQW FKDQQHO VHWWLQJV FRQWDFW \RXU VHUYLFH SURYLGHU
&HOO EURDGFDVW PHVVDJHV FDQQRW EH UHFHLYHG ZKHQ WKH GHYLFH LV URDPLQJ
 )URP 606 VHWWLQJV VHOHFW &HOO EURDGFDVW
$FWLYDWLRQ WR WXUQ LQIRUPDWLRQ 2Q RU 2II
5HDG PHVVDJHV WR UHDG WKH PHVVDJH
/DQJXDJHV WR VHOHFW ODQJXDJH 2Q RU 2II
&KDQQHO VHWWLQJV WR VHOHFW IURP ZKLFK FKDQQHOV WR UHFHLYH RU
VXEVFULEH PHVVDJHV 8VH WKH RSWLRQV 6XEVFULEH&DQFHO VXE
VFULSWLRQ$GG(GLW DQG 'HOHWH WR GHILQH \RXU FKDQQHOV
 3UHVV 2. WR FRQILUP
,QSXW PHWKRG
:LWK ,QSXW PHWKRG \RX FDQ VHOHFW WR ZULWH \RXU WH[W PHVVDJHV ZLWK VSH
FLDO GLVWLQJXLVKLQJ ODQJXDJH VSHFLILF FKDUDFWHUV 8QLFRGH RU WR ZULWH ZLWK
PRUH VLPSOH FKDUDFWHUV $XWRPDWLF DOORZV VSHFLDO FKDUDFWHUV 6SHFLDO
FKDUDFWHUV WDNHV XS PRUH VSDFH DQG WKH VL]H RI HDFK PHVVDJH LV UH
GXFHG WR  FKDUDFWHUV *60 DOSKDEHW FRQYHUWV DQ\ VSHFLDO FKDUDFWHU WR
SODLQ DOSKDEHW FKDUDFWHUV HJ Í EHFRPHV , (DFK PHVVDJH FDQ FRQWDLQ
 FKDUDFWHUV
 )URP 606 VHWWLQJV VHOHFW ,QSXW PHWKRG
$XWRPDWLF GHIDXOW WR DOORZ VSHFLDO FKDUDFWHUV
*60 DOSKDEHW WR FRQYHUW DQ\ VSHFLDO FKDUDFWHU WR SODLQ DOSKD
EHW FKDUDFWHUV
,QIRUPDWLRQ IXQFWLRQ GHVFULSWLRQ
 3UHVV 2. WR FRQILUP
006 VHWWLQJV
3UHVV 0HQX 6HWWLQJV 0HVVDJHV 006 VHWWLQJV
0HPRU\ VWDWXV
 )URP 006 VHWWLQJV VHOHFW 0HPRU\ VWDWXV WR GLVSOD\ WKH PHPRU\
VSDFH XVHG RQ WKH PHPRU\ FDUG LI LQVHUWHG DQG LQ WKH SKRQH PHP
RU\ 3KRQH PHPRU\ FDQ VWRUH XS WR  0%
 3UHVV %DFN WR UHWXUQ

(QJOLVK
6WRUDJH
3LFWXUH PHVVDJHV DUH VDYHG E\ GHIDXOW LQ WKH SKRQH PHPRU\ :KHQ WKH
PHPRU\ EHFRPHV IXOO \RX ZLOO QHHG WR HLWKHU GHOHWH D SLFWXUH PHVVDJH
VHH ,QER[ 2XWER[ DQG 6HQW S RU VHOHFW WR VDYH \RXU SLFWXUH PHV
VDJHV WR WKH PHPRU\ FDUG :KHQ WKH PHPRU\ LV IXOO \RX ZLOO VHH D PHV
VDJH ZKHQ \RX WU\ WR VHQG RU UHFHLYH D SLFWXUH PHVVDJH
1RWH 0DNH VXUH WR LQVHUW D FRPSDWLEOH PHPRU\ FDUG EHIRUH VDYLQJ WR LW
VHH ,QVHUW 6,0 FDUG PHPRU\ FDUG DQG EDWWHU\ S 7KH VWRUDJH PHQX
RQO\ DSSHDUV LI \RX KDYH LQVHUWHG D FDUG
 )URP 006 VHWWLQJV VHOHFW 6WRUDJH
3KRQH WR VWRUH LQ WKH SKRQH PHPRU\
0HPRU\ FDUG WR VWRUH SLFWXUH PHVVDJHV WR WKH PHPRU\ FDUG
 3UHVV 2. WR FRQILUP
006 SURILOH
7KHVH VHWWLQJV DUH QHHGHG WR XVH WKH SLFWXUH PHVVDJHV IXQFWLRQ 7KH VHW
WLQJV IRU SLFWXUH PHVVDJHV LV VXSSOLHG E\ \RXU VHUYLFH SURYLGHU DQG FDQ
EH VHQW WR \RX DXWRPDWLFDOO\
 )URP 006 VHWWLQJV VHOHFW 006 SURILOH
 6HOHFW \RXU VHUYLFH SURYLGHU DQG SUHVV 2SWLRQV $FWLYDWH
$GG QHZ 006 SURILOH
)ROORZ WKH VWHSV EHORZ LI \RXU VHUYLFH SURYLGHU LV QRW LQ WKH OLVW &RQWDFW
\RXU VHUYLFH SURYLGHU IRU FRUUHFW VHWWLQJV
 )URP 006 SURILOH VHOHFW $GG
$FFRXQW QDPH WR DGG DFFRXQW QDPH
$31 WR DGG $31 $FFHVV 3RLQW 1DPH
8VHU QDPH WR DGG XVHU QDPH
3DVVZRUG WR DGG SDVVZRUG
+RPHSDJH WR DGG KRPHSDJH
&RQQHFWLRQ W\SH XVH WKH VLGH EXWWRQV WR VHOHFW FRQQHFWLRQ
HQWHU +773 RU :$3
3UR[\ DGGUHVV WR DGG SUR[\ DGGUHVV
3UR[\ SRUW WR DGG SUR[\ SRUW

(QJOLVK
8VHU QDPH WR DGG SUR[\ XVHU QDPH
3DVVZRUG WR DGG SUR[\ SDVVZRUG
 3UHVV 2. WR FRQILUP
 3UHVV <HV WR VDYH RU 1R WR H[LW ZLWKRXW VDYLQJ
 6HOHFW \RXU QHZ SURILOH DQG SUHVV 2SWLRQV $FWLYDWH
 3UHVV 2. WR FRQILUP
7R HGLW RU GHOHWH DQ H[LVWLQJ HQWU\ VHOHFW LW DQG SUHVV 2SWLRQV (GLW RU
'HOHWH
1RWH 6RPH VHUYLFH SURYLGHUV UHTXLUH \RX WR VHQG D SLFWXUH PHVVDJH
EHIRUH \RX ZLOO EH DEOH WR UHFHLYH RQH 6HQG D SLFWXUH PHVVDJH ZLWK WH[W
RQO\ WR DFWLYDWH WKH VHUYLFH 6RPH VHUYLFH SURYLGHUV UHTXLUH WKDW \RX
FRQWDFW WKHP EHIRUH HQDEOLQJ SLFWXUH PHVVDJH IRU \RXU DFFRXQW &RQWDFW
\RXU VHUYLFH SURYLGHU·V &XVWRPHU 6HUYLFH 3UHVV GXULQJ VHW XS WR
H[LW ZLWKRXW VDYLQJ
006 URDPLQJ
<RXU SKRQH DXWRPDWLFDOO\ VHOHFWV \RXU VHUYLFH SURYLGHUV KRPH QHWZRUN
LI ZLWKLQ UDQJH ,I QRW ZLWKLQ UDQJH IRU LQVWDQFH ZKHQ DEURDG \RX FDQ XVH
DQRWKHU QHWZRUN SURYLGHG \RXU QHWZRUN RSHUDWRU KDV DQ DJUHHPHQW WKDW
DOORZV \RX WR GR VR 7KLV LV FDOOHG URDPLQJ RSHUDWLQJ LQ RWKHU QHWZRUNV
&RQWDFW \RXU VHUYLFH SURYLGHU IRU PRUH LQIRUPDWLRQ
 )URP 006 VHWWLQJV VHOHFW 006 URDPLQJ
 6HOHFW 2Q WR HQDEOH RU 2II GHIDXOW WR GLVDEOH
 3UHVV 2. WR FRQILUP
,03257$17
7R UHFHLYH DQG VHQG SLFWXUH PHVVDJHV 006 ZKLOH URDPLQJ FDQ EH
FRVWO\ &RQWDFW \RXU VHUYLFH SURYLGHU IRU GDWD URDPLQJ UDWHV EHIRUH \RX
XVH GDWD URDPLQJ
(PDLO VHWWLQJV
(QDEOHV \RX WR UHYLHZ DQG FUHDWH HPDLOV XVLQJ \RXU SHUVRQDO RU FRPSDQ\
HPDLO DFFRXQW ,Q RUGHU WR XWLOLVH WKH HPDLO VHUYLFH RQ \RXU 'RUR 3KR
QH(DV\; \RX QHHG WR FRQILJXUH DQ HPDLO DFFRXQW <RX FDQ DGG XS
WR  GLIIHUHQW HPDLO DFFRXQWV
(QJOLVK
1RWH 7KH ILUVW WLPH \RX FRQILJXUH DQ DFFRXQW \RX DUH SURPSWHG 6WDUW WR
FUHDWH DFFRXQW" 3UHVV <HV
 3UHVV 0HQX 6HWWLQJV 0HVVDJHV (PDLO VHWWLQJV
6HOHFW *PDLO+RWPDLO RU <DKRR
6HOHFW 2WKHU HPDLO DFFRXQWV &RQWDFW \RXU VHUYLFH SURYLGHU
IRU FRUUHFW VHWWLQJV
 (QWHU \RXU (PDLO DGGUHVV DQG \RXU 3DVVZRUG 3UHVV 2. WR FRQILUP
 6HOHFW &KHFN LQWHUYDO 2II GHIDXOW  PLQ PLQ KRXU RU
KRXUV
1RWH 8VLQJ GDWD VHUYLFHV FDQ EH FRVWO\ :H UHFRPPHQG WKDW \RX
FKHFN \RXU GDWD UDWHV ZLWK \RXU VHUYLFH SURYLGHU EHIRUH VHOHFWLQJ
LQWHUYDO
 3UHVV 2. WR FRQILUP
1RWH <RX QHHG WR SUHVV ,QER[ WR GRZQORDG QHZ HPDLO ZKHQ &KHFN
LQWHUYDO LV VHW WR 2II
7R HGLW RU GHOHWH DQ H[LVWLQJ HQWU\ VHOHFW LW DQG SUHVV 2SWLRQV (GLW
'HOHWH 6HOHFW $GG WR FRQILJXUH QHZ DFFRXQWV
5HPLQGHU
7KH UHPLQGHU DOHUWV \RX RQFH LI \RX KDYHQW FKHFNHG \RXU PHVVDJHV RU
OLVWHQHG WR \RXU YRLFH PDLO ZLWKLQ  PLQXWHV IURP UHFHLSW :KHQ QRWLILHG
SUHVV WR HQG WKH QRWLILFDWLRQ DQG QR PRUH UHPLQGHU LV KHDUG
 3UHVV 0HQX 6HWWLQJV 0HVVDJHV 5HPLQGHU
 6HOHFW 2Q WR HQDEOH RU 2II WR GLVDEOH
 3UHVV 2. WR FRQILUP
9LEUDWLRQ
6HW KRZ WKH SKRQH VKRXOG YLEUDWH ZKHQ D QHZ PHVVDJH LV UHFHLYHG
 3UHVV 0HQX 6HWWLQJV 0HVVDJHV 9LEUDWLRQ
 6HOHFW 0HVVDJHV RU (PDLO
6KRUW  VHFRQGV
/RQJ  VHFRQGV
 3UHVV 2. WR FRQILUP

(QJOLVK
1RWH ,I 6RXQG$OHUW W\SH LV VHW WR 5LQJ RQO\ WKH SKRQH ZLOO QRW YLEUDWH
'HOLYHU\ UHSRUW
<RX FDQ VHOHFW LI \RX ZDQW WKH SKRQH WR QRWLI\ \RX ZKHQ \RXU WH[W PHV
VDJH KDV UHDFKHG WKH UHFLSLHQW
1RWH &RQWDFW \RXU VHUYLFH SURYLGHU IRU GHWDLOHG VXEVFULSWLRQ FRVWV EHIRUH
DFWLYDWLQJ
 3UHVV 0HQX 6HWWLQJV 0HVVDJHV 'HOLYHU\ UHSRUW
 6HOHFW 2Q WR HQDEOH RU 2II WR GLVDEOH
 3UHVV 2. WR FRQILUP
'HOHWH
'HOHWH DOO PHVVDJHV RU DOO ZLWKLQ D IROGHU
 3UHVV 0HQX 6HWWLQJV 0HVVDJHV 'HOHWH
 6HOHFW ,QER[2XWER[6HQW RU 'HOHWH DOO <HV WR GHOHWH DOO
PHVVDJHV
&DPHUD
<RX FDQ WDNH SKRWRV UHFRUG YLGHRV DQG YLHZ \RXU SKRWRV DQG YLGHRV XV
LQJ WKH &DPHUD PHQX
&DPHUD
&DPHUD WDNH SKRWRV
7R JHW VKDUS SKRWRV ZLSH WKH OHQV FOHDQ ZLWK D GU\ FORWK
 3UHVV VKRUWFXW EXWWRQ
$OWHUQDWLYHO\ SUHVV 0HQX &DPHUD &DPHUD
 3UHVV WR WDNH SKRWR
 3UHVV 2SWLRQV
6HQG 6HQG E\ 006 VHH &UHDWH DQG VHQG SLFWXUH PHVVDJH
006 S
6HQG 6HQG E\ %OXHWRRWK VHH %OXHWRRWK S
6HQG 6HQG E\ HPDLO VHH &UHDWH DQG VHQG HPDLO S
'HOHWH WR GHOHWH 3UHVV <HV WR FRQILUP RU 1R WR UHWXUQ
8VH :DOOSDSHU WR VDYH DV GLVSOD\ EDFNJURXQG

(QJOLVK
8VH 3KRQHERRN SLFWXUH WR VDYH DV SKRQHERRN FRQWDFW
 3UHVV %DFN WR WDNH D QHZ SKRWR
,I \RX GR QRW PDNH DQ\ VHOHFWLRQ WKH SLFWXUH LV VDYHG
&DPHUD DGMXVWPHQWV
8VH WR ]RRP LQ DQG RXW
8VH WKH VLGH EXWWRQV ±WR DGMXVW (9/LJKW VHQVLWLYLW\
8VH )ODVK WR VHW WKH IODVK DV $XWR2II2Q RU 5HGH\H UHGXFWLRQ
1RWH =RRP PD\ UHGXFH SLFWXUH TXDOLW\
)RU PRUH FDPHUD VHWWLQJV VHH &DPHUD VHWWLQJV S
9LGHR FDPHUD
7R JHW VKDUS YLGHRV ZLSH WKH OHQV FOHDQ ZLWK D GU\ FORWK
 3UHVV 0HQX &DPHUD 9LGHR FDPHUD
 3UHVV WR VWDUW UHFRUGLQJ
 3UHVV WR VWRS UHFRUGLQJ 6HOHFW <HV WR VDYH
 3UHVV 2SWLRQV
3OD\
6HQG 6HQG E\ 006 VHH &UHDWH DQG VHQG SLFWXUH PHVVDJH
006 S
6HQG 6HQG E\ HPDLO VHH &UHDWH DQG VHQG HPDLO S
6HQG 6HQG E\ %OXHWRRWK VHH %OXHWRRWK S
'HOHWH WR GHOHWH 3UHVV <HV WR FRQILUP RU 1R WR UHWXUQ
 3UHVV %DFN WR UHWXUQ
9LGHR FDPHUD DGMXVWPHQWV
8VH WR ]RRP LQ DQG RXW
8VH WKH VLGH EXWWRQV ±WR DGMXVW (9/LJKW VHQVLWLYLW\
8VH /DPS WR VZLWFK WKH ODPS RQ RU RII
1RWH =RRP PD\ UHGXFH YLGHR TXDOLW\
)RU PRUH YLGHR FDPHUD VHWWLQJV VHH &DPHUD VHWWLQJV S
3LFWXUH JDOOHU\ DQG 9LGHR JDOOHU\
9LHZ \RXU VDYHG SLFWXUHV RU YLGHRV

(QJOLVK
 3UHVV 0HQX &DPHUD 3LFWXUH JDOOHU\ RU 9LGHR JDOOHU\
 8VH WR VHOHFW D SLFWXUH RU YLGHR
 3UHVV 2SWLRQV
9LHZ IRU VLQJOH YLHZ 3UHVV %DFN WR UHWXUQ
8VH WR SOD\ DQG VWRS WKH YLGHR YLGHR RQO\
6HQG
6HQG E\ 006 WR VHQG DV SLFWXUH PHVVDJH 6HH &UHDWH DQG
VHQG SLFWXUH PHVVDJH 006 S
6HQG E\ %OXHWRRWK WR VHQG WR D %OXHWRRWK GHYLFH VHH %OXH
WRRWK S
6HQG E\ HPDLO VHH &UHDWH DQG VHQG HPDLO S
6WRUDJH WR YLHZ SLFWXUHV DQG YLGHRV RQ 3KRQH RU 0HPRU\ FDUG
'HOHWH WR GHOHWH 3UHVV <HV WR FRQILUP RU 1R WR UHWXUQ
8VH SLFWXUH RQO\ :DOOSDSHU WR VDYH DV GLVSOD\ EDFNJURXQG
8VH SLFWXUH RQO\ 3KRQHERRN SLFWXUH WR VDYH DV SKRQHERRN
FRQWDFW
'HWDLOV WR YLHZ GHWDLOHG LQIRUPDWLRQ DERXW WKH ILOH HJ GDWH
VL]H FRS\ULJKW
5HQDPH WR UHQDPH SLFWXUH
%URZVH VW\OH SLFWXUH RQO\ WR FKDQJH YLHZ 6HOHFW /DUJH/LVW RU
0HGLXP
 3UHVV 2. WR FRQILUP
&DPHUD VHWWLQJV
 3UHVV 0HQX 6HWWLQJV &DPHUD
(9 LQIRUPDWLRQ (9/LJKW VHQVLWLYLW\ FDQ EH DGMXVWHG E\ SXVKLQJ
YROXPH NH\V XS DQG GRZQ ZKHQ LQ FDPHUD PRGH
%URZVH VW\OH WR FKDQJH YLHZ 6HOHFW /DUJH/LVW RU 0HGLXP
6RUW E\ WR VRUW SLFWXUHV DQG YLGHRV E\ 1DPH RU 7LPH
6WRUDJH WR VDYH SLFWXUHV DQG YLGHRV RQ 3KRQH RU 0HPRU\ FDUG
'HOHWH DOO WR GHOHWH DOO VDYHG SLFWXUHV DQG YLGHRV
)ODVK WR VHW DV $XWR2II2Q RU 5HGH\H UHGXFWLRQ
,PDJH VL]H WR VHW DV 6PDOO ORZHVW TXDOLW\  03 RU  03 KLJK
HVW TXDOLW\
9LGHR FDPHUD 4XDOLW\ WR VHW DV +LJK RU /RZ

(QJOLVK
9LGHR FDPHUD 5HFRUG WLPH WR VHW DV 1R OLPLW RU  PLQ
6KXWWHU VRXQG 2II/RZ+LJK
 3UHVV 2. WR FRQILUP
1RWH :LWK KLJKHU TXDOLW\ OHVV SLFWXUHV RU YLGHRV FDQ EH VWRUHG LQ WKH
LQWHUQDO PHPRU\
,I \RX LQVHUW D FRPSDWLEOH H[WHUQDO PHPRU\ PLFUR 6' FDUG LQWR \RXU 'RUR
3KRQH(DV\; \RX FDQ FKDQJH WKH GHIDXOW VWRUDJH ORFDWLRQ WKLV DO
ORZV \RX WR VDYH PRUH ILOHV RQ \RXU GHYLFH OLNH SLFWXUHV DQG YLGHRV
&RQQHFWLYLW\
%OXHWRRWK
,03257$17
:KHQ \RX DUH QRW XVLQJ %OXHWRRWK FRQQHFWLYLW\ VHOHFW )XQFWLRQ RQRII
2II RU VHOHFW 9LVLELOLW\ 2II 'R QRW SDLU ZLWK DQ XQNQRZQ GHYLFH
$FWLYDWH %OXHWRRWK
 3UHVV 0HQX 6HWWLQJV &RQQHFWLYLW\ %OXHWRRWK
$FWLYDWLRQ
 6HOHFW 2Q WR HQDEOH RU 2II WR GLVDEOH
 3UHVV 2. WR FRQILUP
%OXHWRRWK VHWWLQJV
9LVLELOLW\
 3UHVV 0HQX 6HWWLQJV &RQQHFWLYLW\ %OXHWRRWK 9LVLELOLW\
 6HOHFW 2Q WR PDNH \RXU GHYLFH YLVLEOH WR RWKHU GHYLFHV RU 2II WR EH
LQYLVLEOH
 3UHVV 2. WR FRQILUP
1RWH 7R SUHYHQW RWKHU GHYLFHV IURP ILQGLQJ \RXU GHYLFH VHOHFW 2II (YHQ
LI \RX VHOHFW 2II SDLUHG GHYLFHV FDQ VWLOO GHWHFW \RXU GHYLFH
'HYLFH QDPH
 3UHVV 0HQX 6HWWLQJV &RQQHFWLYLW\ %OXHWRRWK 'HYLFH
QDPH
 (QWHU WKH QDPH \RXU 'RUR 3KRQH(DV\; VKRXOG DSSHDU ZLWK IRU
RWKHU %OXHWRRWK GHYLFHV

(QJOLVK
 3UHVV 'RQH WR FRQILUP
6HDUFK GHYLFH
6HDUFK IRU DYDLODEOH %OXHWRRWK DXGLR GHYLFHV
 3UHVV 0HQX 6HWWLQJV &RQQHFWLYLW\ %OXHWRRWK 6HDUFK
GHYLFH
 6HOHFW D GHYLFH IURP WKH OLVW DQG SUHVV 3DLU WR FRQQHFW
,I %OXHWRRWK LV QRW HQDEOHG SUHVV <HV WR DFWLYDWH
 :KHQ FRQQHFWLQJ WR DQRWKHU %OXHWRRWK GHYLFH \RX QHHG D VKDUHG
SDVVZRUG (QWHU WKH SDVVZRUG DQG SUHVV 2.
0\ GHYLFHV
$GG QHZ GHYLFHV RU YLHZ VDYHG
 3UHVV 0HQX 6HWWLQJV &RQQHFWLYLW\ %OXHWRRWK 0\
GHYLFHV
 6HOHFW D GHYLFH IURP WKH OLVW DQG SUHVV 2SWLRQV
&RQQHFW RU 'LVFRQQHFW WR FRQQHFW RU GLVFRQQHFW ZLWK WKH VH
OHFWHG GHYLFH 7KLV PD\ UHTXLUH D SURILOH XVXDOO\ D KHDGVHW
5HQDPH WR FKDQJH WKH QDPH RI WKH GHYLFH
'HOHWH WR GHOHWH WKH GHYLFH IURP WKH OLVW
'HOHWH DOO WR GHOHWH DOO GHYLFHV IURP WKH OLVW
6HFXULW\ WR VHOHFW DQ RSWLRQ
$XGLR SDWK
 3UHVV 0HQX 6HWWLQJV &RQQHFWLYLW\ %OXHWRRWK $XGLR
SDWK
3KRQH WR DQVZHU LQFRPLQJ FDOOV ZLWK WKH SKRQH
)RUZDUG %7 WR IRUZDUG LQFRPLQJ FDOOV WR WKH %OXHWRRWK GHYLFH
 3UHVV 2. WR FRQILUP
6HFXULW\
 3UHVV 0HQX 6HWWLQJV &RQQHFWLYLW\ %OXHWRRWK
6HFXULW\
1RUPDO $OO SDLUHG GHYLFHV DUH DOORZHG IXOO DFFHVV
DXWRPDWLFDOO\
+LJK &RQILUPDWLRQ PD\ EH QHHGHG IRU IXOO DFFHVV IRU SDLUHG
GHYLFHV
,QIRUPDWLRQ
 3UHVV 2. WR FRQILUP
(QJOLVK
,QWHUQHW SURILOH
7KH ,QWHUQHW VHWWLQJV DUH XVHG E\ VHUYLFHV WKDW FRPPXQLFDWHV XVLQJ ,QWHU
QHW 7KH ,QWHUQHW VHWWLQJV IRU PRVW PDMRU VHUYLFH SURYLGHUV DUH DOUHDG\ LQ
VHUWHG IURP VWDUW $QRWKHU ZD\ LV WR DVN \RXU VHUYLFH SURYLGHU WR VHQG WKH
VHWWLQJV GLUHFWO\ WR \RXU SKRQH
)ROORZ WKH VWHSV EHORZ LI \RXU VHUYLFH SURYLGHU SURILOH LV QRW LQ WKH OLVW
&RQWDFW \RXU VHUYLFH SURYLGHU IRU FRUUHFW VHWWLQJV
 3UHVV 0HQX 6HWWLQJV &RQQHFWLYLW\ ,QWHUQHW SURILOH
 8VH WR VHOHFW D SURILOH
 3UHVV 2SWLRQV (GLW WR HQWHU VHWWLQJV IRU \RXU VHUYLFH SURYLGHU
$FFRXQW QDPH WR HQWHU WKH DFFRXQW QDPH
$31 WR HQWHU WKH $31 DGGUHVV
8VHU QDPH WR HQWHU XVHU QDPH
3DVVZRUG WR HQWHU SDVVZRUG
+RPHSDJH WR HQWHU KRPHSDJH
&RQQHFWLRQ W\SH VHOHFW +773:$3
3UR[\ DGGUHVV WR HQWHU SUR[\ DGGUHVV
3UR[\ SRUW WR HQWHU SUR[\ SRUW
8VHU QDPH WR HQWHU XVHU QDPH
3DVVZRUG WR HQWHU SDVVZRUG
 3UHVV 2. DQG SUHVV <HV WR VDYH RU 1R WR UHWXUQ
 6HOHFW \RXU QHZ SURILOH DQG SUHVV 2SWLRQV $FWLYDWH
<RX FDQ DOVR DFWLYDWHPRGLI\ D SURILOH E\ VHOHFWLQJ RQH DQG SUHVV 2SWLRQV
$FWLYDWH(GLW'HOHWH
0RELOH GDWD
,03257$17
8VLQJ GDWD VHUYLFHV FDQ EH FRVWO\ :H UHFRPPHQG WKDW \RX FKHFN \RXU
GDWD UDWHV ZLWK \RXU VHUYLFH SURYLGHU
)XQFWLRQ RQ RU RII
5HVWULFWV LQWHUQHW EURZVHU :HDWKHU 0\ 'RUR 0DQDJHU 006 DQG HPDLO
6HOHFW 2II WR DYRLG GDWD FKDUJHV

(QJOLVK
 3UHVV 0HQX 6HWWLQJV &RQQHFWLYLW\ 0RELOH GDWD )XQF
WLRQ RQRII
 6HOHFW 2Q WR HQDEOH RU 2II WR GLVDEOH
 3UHVV 2. WR FRQILUP
'DWD FRXQWHU
7KH GDWD FRXQWHU JDWKHUV WUDIILF LQIRUPDWLRQ IURP LQWHUQHW EURZVHU
:HDWKHU 0\ 'RUR 0DQDJHU 006 DQG HPDLO
 3UHVV 0HQX 6HWWLQJV &RQQHFWLYLW\ 0RELOH GDWD 'DWD
FRXQWHU
6HQW
5HFHLYHG
5HVHW DOO
'DWD URDPLQJ
<RXU SKRQH DXWRPDWLFDOO\ VHOHFWV \RXU VHUYLFH SURYLGHUV KRPH QHWZRUN
LI ZLWKLQ UDQJH ,I QRW ZLWKLQ UDQJH \RX FDQ XVH DQRWKHU QHWZRUN SURYLGHG
\RXU QHWZRUN RSHUDWRU KDV DQ DJUHHPHQW WKDW DOORZV \RX WR GR VR 7KLV LV
FDOOHG URDPLQJ &RQWDFW \RXU VHUYLFH SURYLGHU IRU PRUH LQIRUPDWLRQ
 3UHVV 0HQX 6HWWLQJV &RQQHFWLYLW\ 0RELOH GDWD 'DWD
URDPLQJ
 6HOHFW 2Q WR HQDEOH RU 2II WR GLVDEOH
 3UHVV 2. WR FRQILUP
,03257$17
8VLQJ GDWD VHUYLFHV ZKLOH URDPLQJ FDQ EH FRVWO\ &RQWDFW \RXU VHUYLFH
SURYLGHU IRU GDWD URDPLQJ UDWHV EHIRUH \RX XVH GDWD URDPLQJ
1HWZRUN VHWXS
 3UHVV 0HQX 6HWWLQJV *HQHUDO 1HWZRUN VHWXS
6HOHFW QHWZRUN
1HZ VHDUFK WR SHUIRUP QHZ VHDUFK LI FRQQHFWLRQ LV ORVW
6HOHFW QHWZRUN WR YLHZ DYDLODEOH QHWZRUN D OLVW RI DYDLODEOH QHW
ZRUN RSHUDWRUV LV GLVSOD\HG DIWHU D VKRUW GHOD\ 6HOHFW GHVLUHG
RSHUDWRU

(QJOLVK
1HWZRUN PRGH WR VHOHFW DQRWKHU QHWZRUN 6HOHFW $XWRPDWLF WR
VHOHFW QHWZRUN DXWRPDWLFDOO\ RU 0DQXDO WR VHOHFW QHWZRUN
PDQXDOO\
6HUYLFH VHOHFWLRQ
*60 VHUYLFH RQO\
* VHUYLFH RQO\
$XWRPDWLF VZLWFK EHWZHHQ *60 DQG * IRU EHVW VHUYLFH
,03257$17
,I \RX VHW \RXU SKRQH WR XVH *60 RQO\ RU * RQO\ \RX ZLOO QRW
EH DEOH WR PDNH DQ\ FDOOV LQFOXGLQJ HPHUJHQF\ FDOOV RU XVH
RWKHU IHDWXUHV UHTXLULQJ D QHWZRUN FRQQHFWLRQ LI WKH VHOHFWHG
QHWZRUN LV XQDYDLODEOH
1HWZRUN LQIRUPDWLRQ
9LHZ \RXU FXUUHQW QHWZRUN VHWWLQJV
6HUYLFHV
7KLV PHQX PD\ FRQWDLQ SUHSURJUDPPHG VHUYLFHV IURP \RXU QHWZRUN SUR
YLGHU GHSHQGLQJ RQ QHWZRUN VXSSRUW DQG VXEVFULSWLRQ
3UHVV 0HQX 6HWWLQJV *HQHUDO 6HUYLFHV
&RQQHFW WKH SKRQH WR D FRPSXWHU
&RQQHFW WKH SKRQH WR D FRPSXWHU DQG VWDUW WUDQVIHUULQJ SLFWXUHV PXVLF
DQG RWKHU ILOH W\SHV $OO \RX KDYH WR GR LV FRQQHFW D 86% FDEOH EHWZHHQ
WKH SKRQH DQG FRPSXWHU )URP \RXU FRPSXWHUV ILOH H[SORUHU \RX FDQ
GUDJ DQG GURS FRQWHQW EHWZHHQ \RXU SKRQH DQG WKH FRPSXWHU
1RWH <RX PLJKW QRW EH DEOH WR WUDQVIHU VRPH FRS\ULJKW SURWHFWHG
PDWHULDO
'UDJ DQG GURS FRQWHQW EHWZHHQ SKRQH DQG D FRPSXWHU
 &RQQHFW \RXU SKRQH WR D FRPSXWHU XVLQJ D 86% FDEOH
 :DLW XQWLO WKH SKRQH RU PHPRU\ FDUG DSSHDUV DV H[WHUQDO GLVNV LQ
WKH ILOH H[SORUHU
 'UDJ DQG GURS VHOHFWHG ILOHV EHWZHHQ WKH SKRQH DQG WKH FRPSXWHU
1RWH <RX FDQ WUDQVIHU ILOHV XVLQJ D 86% FDEOH RQ PRVW GHYLFHV DQG
RSHUDWLQJ V\VWHPV VXSSRUWLQJ D 86% 0DVV 6WRUDJH LQWHUIDFH

(QJOLVK
'LVFRQQHFW WKH 86% FDEOH VDIHO\
 0DNH VXUH WR HQDEOH WKH KDUGZDUH WR EH VDIHO\ UHPRYHG
 'LVFRQQHFW WKH 86% FDEOH
1RWH &RPSXWHU LQVWUXFWLRQV PD\ YDU\ GHSHQGLQJ RQ \RXU RSHUDWLQJ
V\VWHP 6HH WKH GRFXPHQWDWLRQ RI \RXU FRPSXWHUV RSHUDWLQJ V\VWHP IRU
PRUH LQIRUPDWLRQ
)LOH PDQDJHU
0DQDJH WKH FRQWHQWV DQG SURSHUWLHV RI ILOHV <RX FDQ RSHQ GHOHWH PRYH
FRS\ DQG UHQDPH ILOHV
6XSSRUWHG LPDJH IRUPDW %03*,)-3*31* 3KRWRV WDNHQ ZLWK WKH EXLOW
LQ FDPHUD DUH VDYHG DV -3*
6XSSRUWHG DXGLR IRUPDW :$9$050,',03$$&$$& 5HFRUGLQJV
PDGH ZLWK WKH EXLOW LQ VRXQG UHFRUGHU DUH VDYHG DV $05
6XSSRUWHG YLGHR IRUPDW 03*33 2QO\ SOD\EDFN LV SRVVLEOH
 3UHVV 0HQX 6HWWLQJV )LOH PDQDJHU
 6HOHFW 3KRQH0HPRU\ FDUG 2SHQ
 6HOHFW D IROGHU HJ 3KRWRV DQG SUHVV 2SHQ
 6HOHFW D ILOH DQG SUHVV 2SWLRQV
3OD\ DXGLRYLGHRPXVLF SUHVV WR 3OD\ RU WR 6WRS
9LHZ SKRWRVLPDJHV IRU VLQJOH YLHZ
6HQG 6HQG E\ 006 WR VHQG DV SLFWXUH PHVVDJH &UHDWH
DQG VHQG SLFWXUH PHVVDJH 006 S6HQG E\ %OXHWRRWK WR
VHQG WR D %OXHWRRWK GHYLFH %OXHWRRWK S6HQG E\ HPDLO
&UHDWH DQG VHQG HPDLO S
'HWDLOV WR YLHZ GHWDLOHG LQIRUPDWLRQ DERXW WKH ILOH HJ GDWH
VL]H FRS\ULJKW SURWHFWLRQ
8VH :DOOSDSHU WR VDYH DV GLVSOD\ EDFNJURXQG3KRQHERRN
SLFWXUH WR VHQG WR D SKRQHERRN FRQWDFW
5HQDPH WR UHQDPH WKH ILOH
'HOHWH WR GHOHWH WKH ILOH
'HOHWH DOO WR GHOHWH DOO ILOHV LQ VHOHFWHG IROGHU
6RUW E\ 1DPH7LPH
(QJOLVK
&RS\0RYH 3KRQH0HPRU\ FDUG 2SWLRQV 2SHQ 6H
OHFW D IROGHU HJ 3KRWRV DQG SUHVV 2SWLRQV 3DVWH
 3UHVV 2. WR FRQILUP
6XSSRUWHG IRUPDWV
3LFWXUH IRUPDW %03*,)-3*31* 3KRWRV WDNHQ ZLWK WKH EXLOW LQ
FDPHUD DUH VDYHG DV -3*
$XGLR IRUPDW :$9$050,',03$$&$$& 5HFRUGLQJV PDGH
ZLWK WKH EXLOW LQ VRXQG UHFRUGHU DUH VDYHG DV $05
9LGHR IRUPDW 03*33
6RXQG  'LVSOD\
1RWH 6LOHQW QHHGV WR EH VHW WR 2II WR DFFHVV 7RQH VHWXS 9ROXPH $OHUW
W\SH DQG ([WUD WRQH
$XGLR VHWXS
,I \RX XVH D KHDULQJ DLG RU KDYH KHDULQJ GLIILFXOWLHV ZKHQ XVLQJ WKH GHYLFH
LQ D QRLV\ HQYLURQPHQW \RX FDQ DGMXVW WKH DXGLR VHWWLQJV
 3UHVV 0HQX 6HWWLQJV 6RXQG $XGLR VHWXS
1RUPDO IRU QRUPDO KHDULQJ LQ QRUPDO FRQGLWLRQV GHIDXOW
+LJK IRU PRGHUDWH KHDULQJ LPSDLUPHQW RU XVH LQ D YHU\ QRLV\
HQYLURQPHQW
+$& PRGH IRU XVH ZLWK KHDULQJ DLG
 3UHVV 2. WR FRQILUP
1RWH 7U\ GLIIHUHQW VHWWLQJV WR ILQG WKH RQH WKDW VXLWV \RXU KHDULQJ WKH
EHVW
7RQH VHWXS ULQJWRQH
6HOHFW D ULQJWRQH ZLWK WKH EHVW WRQH FXUYH DGMXVWPHQWV DQG IUHTXHQFLHV
WR EHVW ILW \RXU QHHGV
 3UHVV 0HQX 6HWWLQJV 6RXQG 7RQH VHWXS 5LQJWRQH
6\VWHP WR VHOHFW IURP SUHLQVWDOOHG ILOHV
8VHU WR VHOHFW IURP \RXU GRZQORDGV
 8VH WR VHOHFW RQH RI WKH DYDLODEOH PHORGLHV WKH PHORG\ ZLOO
EH SOD\HG

(QJOLVK
 3UHVV 2. WR FRQILUP RU %DFN WR GLVFDUG FKDQJHV
7LS 6HW XS WKH $ODUP0HVVDJH WRQH(PDLO WRQH.H\SDG WRQH3RZHU
RQ DQG 3RZHU RII LQ WKH VDPH ZD\
5LQJWRQH YROXPH
 3UHVV 0HQX 6HWWLQJV 6RXQG 9ROXPH
 8VH WR FKDQJH WKH ULQJWRQH YROXPH
 3UHVV 2. WR FRQILUP
6LOHQW
 3UHVV 0HQX 6HWWLQJV 6RXQG 6LOHQW
 6HOHFW 2Q WR HQDEOH RU 2II WR GLVDEOH
 3UHVV 2. WR FRQILUP
7LS )URP VWDQGE\ PRGH SUHVV DQG KROG VKRUWFXW EXWWRQ WR DFWLYDWH RU
GHDFWLYDWH VLOHQW PRGH
$OHUW W\SH
6HOHFW WR XVH ULQJWRQH DQGRU YLEUDWLRQ IRU LQFRPLQJ FDOOV
 3UHVV 0HQX 6HWWLQJV 6RXQG $OHUW W\SH
5LQJ RQO\ IRU ULQJWRQH RQO\
9LE RQO\ IRU YLEUDWLRQ RQO\
9LE DQG ULQJ IRU YLEUDWLRQ DQG ULQJWRQH
9LE WKHQ ULQJ WR VWDUW ZLWK YLEUDWLRQ DQG DGGV ULQJWRQH DIWHU D
VKRUW ZKLOH
6LOHQW IRU QR VRXQG RU YLEUDWLRQ WKH GLVSOD\ OLJKW LV OLW
 3UHVV 2. WR FRQILUP
([WUD WRQH
<RX FDQ VHOHFW WR HQDEOH ZDUQLQJ DQG HUURU WRQHV WR DOHUW \RX RI ORZ EDW
WHU\ SRZHU SKRQH DQG 6,0 FDUG HUURUV HWF
 3UHVV 0HQX 6HWWLQJV 6RXQG
 6HOHFW ([WUD WRQH :DUQLQJ RU (UURU
 6HOHFW 2Q WR HQDEOH RU 2II WR GLVDEOH
 3UHVV 'RQH WR VDYH

(QJOLVK
0DLQ PHQX
<RX FDQ VHOHFW GLIIHUHQW VW\OHV IRU WKH PDLQ PHQX
 3UHVV 0HQX 6HWWLQJV 'LVSOD\ 0DLQ PHQX
 6HOHFW /DUJH RU /LVW
 3UHVV 2. WR FRQILUP
:DOOSDSHU
 3UHVV 0HQX 6HWWLQJV 'LVSOD\ :DOOSDSHU
6\VWHP WR VHOHFW SUHGHILQHG LPDJHV
8VHU WR VHOHFW XVHU GHILQHG LPDJHV VHH )LOH PDQDJHU S
 8VH WR GLVSOD\ DYDLODEOH ZDOOSDSHUV
 3UHVV 2. WR FRQILUP
7H[W VL]H
<RX FDQ DGMXVW WKH WH[W VL]H IRU WKH PHQX DQG PHVVDJHV
 3UHVV 0HQX 6HWWLQJV 'LVSOD\
 6HOHFW 7H[W VL]H 1RUPDO RU /DUJH
 3UHVV 2. WR FRQILUP
,GOH GLVSOD\
,Q VWDQGE\ PRGH WKH GLVSOD\ FDQ VKRZ FORFN RQO\ FORFN DQG WKH VHUYLFH
SURYLGHU RU DOO LQIRUPDWLRQ
 3UHVV 0HQX 6HWWLQJV 'LVSOD\
 6HOHFW ,GOH GLVSOD\ &ORFN RQO\&ORFN 2SHUDWRU RU $OO LQIR
 3UHVV 2. WR FRQILUP
7KHPHV
<RX FDQ VHOHFW GLIIHUHQW WKHPHV WR DGMXVW WKH SKRQHV WH[WV DQG
EDFNJURXQG
 3UHVV 0HQX 6HWWLQJV 'LVSOD\ 7KHPHV
 8VH WR VHOHFW D WKHPH
 3UHVV 2. WR FRQILUP
/&' EDFNOLJKW
6HOHFW WKH GHOD\ WLPH IRU WKH GLVSOD\ EDFNOLJKW

(QJOLVK
 3UHVV 0HQX 6HWWLQJV 'LVSOD\
 6HOHFW /&' EDFNOLJKW  VHF VHF RU  PLQ
 3UHVV 2. WR FRQILUP
%ULJKWQHVV
<RX FDQ DGMXVW WKH EULJKWQHVV RI WKH GLVSOD\
 3UHVV 0HQX 6HWWLQJV 'LVSOD\
 6HOHFW %ULJKWQHVV /HYHO /HYHO  RU /HYHO 
 3UHVV 2. WR FRQILUP
0\ 'RUR 0DQDJHU
&UHDWH D 0\ 'RUR 0DQDJHU DFFRXQW WR JHW WKH PRVW RXW RI \RXU SKRQH $F
FHVV WKH SKRQH XVLQJ DQ\ ZHE EURZVHU ZZZP\GRURPDQDJHUFRP (DVLO\
YLHZ DQG VKDUH \RXU SKRWRV RU YLGHRV
1RWH <RX QHHG WR KDYH ,QWHUQHW DFFHVV WR XVH PRVW RI WKH IHDWXUHV LQ 0\
'RUR 0DQDJHU 'HSHQGLQJ RQ KRZ \RX XVH \RXU SKRQH LW FDQ XVH XS D ORW
RI ,QWHUQHW EDQGZLGWK UHDOO\ TXLFNO\ DQG LW FDQ EH FRVWO\ %HIRUH \RX XVH
\RXU SKRQH ZH VWURQJO\ UHFRPPHQG WKDW \RX FRQWDFW \RXU VHUYLFH
SURYLGHU DERXW GDWD UDWHV
&UHDWH DFFRXQW
 3UHVV 0HQX 6HWWLQJV 0\ 'RUR 0DQDJHU &UHDWH DFFRXQW
 <RXU XVHUQDPH LV DXWRPDWLFDOO\ VHW WR \RXU SKRQH QXPEHURZQHU
QXPEHU
7KH RZQHU QXPEHU LV VXSSOLHG E\ \RXU VHUYLFH SURYLGHU DQG LV XVXDOO\
VHW RQ WKH 6,0 FDUG ,I QRW \RX FDQ HQWHU WKH QXPEHU \RXUVHOI
 (QWHU SDVVZRUG DQG SUHVV  
 5HHQWHU WKH SDVVZRUG LQ WKH ILHOG EHORZ DQG SUHVV 2.
1RWH 7KH XVHUQDPH PD\ FRQWDLQ OHWWHUV D] DQG QXPEHUV  EXW 
LV QRW DOORZHG
.HHS WKH RZQHU QXPEHU LQ D VDIH SODFH VLQFH LW ZLOO EH QHHGHG LI \RX
QHHG WR UHVHW

(QJOLVK
/RJ LQ/RJ RXW
 3UHVV 0HQX 6HWWLQJV 0\ 'RUR 0DQDJHU /RJ LQ
 (QWHU \RXU SKRQH QXPEHU DV XVHU QDPH
 (QWHU \RXU SDVVZRUG DQG SUHVV /RJ LQ
2SWLRQV
<RX FDQ VHOHFW WR V\QFKURQLVH \RXU SKRQH ZLWK 0\ 'RUR 0DQDJHU
 3UHVV 0HQX 6HWWLQJV 0\ 'RUR 0DQDJHU 2SWLRQV
0LQLPDO V\QFKURQLVDWLRQ WR V\QFKURQLVH \RXU FRQWDFWV FDOHQGDU
DQG SKRQH VHWWLQJV
)XOO V\QFKURQLVDWLRQ WR V\QFKURQLVH WKH VDPH FRQWHQW DV DERYH
DQG SKRWRV
,QIRUPDWLRQ WR YLHZ PRUH LQIRUPDWLRQ
 3UHVV 2. WR FRQILUP
6\QF LQWHUYDOV
<RX FDQ VHOHFW GLIIHUHQW V\QFKURQLVDWLRQ LQWHUYDOV
 3UHVV 0HQX 6HWWLQJV 0\ 'RUR 0DQDJHU 6\QF LQWHUYDOV
0DQXDO WR V\QFKURQLVH PDQXDOO\ 1R DXWRPDWLF V\QFKURQLVLQJ
(YHU\  PLQXWHV WR V\QFKURQLVH DXWRPDWLFDOO\ HYHU\ 
PLQXWHV
+RXUO\ WR V\QFKURQLVH DXWRPDWLFDOO\ HYHU\ KRXU
'DLO\ WR V\QFKURQLVH DXWRPDWLFDOO\ HYHU\ GD\
 3UHVV 2. WR FRQILUP
7LS <RX FDQ DOVR V\QFKURQLVH PDQXDOO\ E\ SUHVVLQJ 6\QFKURQLVH QRZ
$FFRXQW GHWDLOV
7LS ,I \RX PLVSODFH RU IRUJHW \RXU DFFRXQW GHWDLOV VXFK DV XVHU QDPH DQG
\RX SDVVZRUG \RX FDQ DOZD\V IROORZ WKHVH LQVWUXFWLRQV WR UHWULHYH LW
 3UHVV 0HQX 6HWWLQJV 0\ 'RUR 0DQDJHU
 6HOHFW $FFRXQW WR YLHZ \RXU DFFRXQW LQIRUPDWLRQ GHWDLOV
(QWHU WKH SKRQH FRGH DQG SUHVV 2. WR FRQILUP 7KH GHIDXOW SKRQH
FRGH LV 
 3UHVV %DFN WR UHWXUQ

(QJOLVK
$GGLWLRQDO IXQFWLRQV
)0 UDGLR
7KH )0 UDGLR KDV D IUHTXHQF\ UDQJH IURP  WR  0+] DQG
SUHVHW FKDQQHOV 7R OLVWHQ WR WKH UDGLR \RX QHHG WR FRQQHFW D FRPSDWLEOH
KHDGVHW ZKLFK DFWV DV DQ DQWHQQD
7XUQLQJ WKH UDGLR RQ
 &RQQHFW D KHDGVHW WR WKH KHDGVHW VRFNHW
 3UHVV 0HQX 0RUH )0 UDGLR 7KH UDGLR LV WXUQHG RQ 7KH
WXQHG IUHTXHQF\ LV GLVSOD\HG
 6HOHFW FKDQQHO XVLQJ RU 
7LS 3UHVV WR UHWXUQ WR VWDQGE\ PRGH 7KH UDGLR ZLOO FRQWLQXH WR SOD\
9ROXPH
 3UHVV 0HQX 0RUH )0 UDGLR 2SWLRQV 9ROXPH
 8VH RU WR DGMXVW WKH YROXPH
 3UHVV 2. WR FRQILUP
6DYH IUHTXHQF\
 3UHVV 0HQX )0 UDGLR 2SWLRQV 6DYH IUHTXHQF\
 (QWHU D QDPH IRU WKH QHZ FKDQQHO VHH (QWHU WH[W  S
 :KHQ GRQH SUHVV 6DYH
6ZLWFK RII
3UHVV 0HQX 0RUH )0 UDGLR 2SWLRQV 6ZLWFK RII
7LS 'LVFRQQHFWLQJ WKH KHDGVHW ZLOO DOVR WXUQ RII WKH UDGLR
/RXGVSHDNHU
 3UHVV 0HQX 0RUH )0 UDGLR 2SWLRQV /RXGVSHDNHU
2Q
 8VH RU WR DGMXVW WKH VRXQG YROXPH
 7R WXUQ RII VHOHFW 2II
&KDQQHO OLVW HGLWLQJ WKH FKDQQHO OLVW
 3UHVV 0HQX 0RUH )0 UDGLR 2SWLRQV &KDQQHO OLVW
(QJOLVK
 6HOHFW WKH FKDQQHO \RX ZLVK WR HGLW DQG SUHVV 2SWLRQV
3OD\ WR SOD\ WKH VHOHFWHG FKDQQHO
'HOHWH WR GHOHWH WKH FKDQQHO 3UHVV <HV WR FRQILUP RU 1R WR UH
WXUQ WR WKH FKDQQHO OLVW
(GLW WR HGLW WKH FKDQQHO QDPH WKHQ SUHVV WR HGLW WKH IUH
TXHQF\ XVH WR HQWHU WKH GHFLPDO SRLQW :KHQ GRQH SUHVV
2.
 3UHVV 2. WR FRQILUP
0DQXDO LQSXW FKDQJLQJ VHDUFK PRGH
 3UHVV 0HQX 0RUH )0 UDGLR 2SWLRQV 0DQXDO LQSXW
)LQH WXQH WR WXQH PDQXDOO\ ZLWK RU 
$XWR VHDUFK WR XVH DXWRPDWLF VWDWLRQ VHDUFK ZLWK RU 
 3UHVV 2. WR FRQILUP
$XWR VDYH
 3UHVV 0HQX 0RUH )0 UDGLR 2SWLRQV
 6HOHFW $XWR VDYH WR DXWRPDWLFDOO\ LQVWDOO DYDLODEOH UDGLR VWDWLRQV LQ
FKDQQHOV
 3UHVV 2. WR FRQILUP
1RWH 7KLV ZLOO RYHUZULWH DOO SUHYLRXVO\ VDYHG FKDQQHOV
7RUFK
 3UHVV 0HQX 0RUH 7RUFK
 6HOHFW 2II WR SRZHU RII
7LS 3UHVV DQG KROG VKRUWFXW EXWWRQ WR SRZHU RQ WKH WRUFK 5HOHDVH WR
SRZHU RII
7RUFK VHWWLQJV
 3UHVV 0HQX 6HWWLQJV *HQHUDO 7RUFK
 6HOHFW 7LPH
 PLQ WR SRZHU RII DXWRPDWLFDOO\ DIWHU  PLQ
 PLQ WR SRZHU RII DXWRPDWLFDOO\ DIWHU  PLQ
1R OLPLW WR SRZHU RI PDQXDOO\
 6HOHFW 6RXQG
6HOHFW 2Q WR HQDEOH RU 2II GHIDXOW WR GLVDEOH

(QJOLVK
 3UHVV 2. WR FRQILUP
1RWH 7KH WRUFK ZLOO GUDLQ WKH EDWWHU\ YHU\ TXLFNO\ 5HPHPEHU WR SRZHU
RII WKH WRUFK DIWHU XVH
&DOFXODWRU
7KH &DOFXODWRU FDQ SHUIRUP EDVLF PDWKHPDWLFDO RSHUDWLRQV
 3UHVV 0HQX 0RUH &DOFXODWRU
 (QWHU WKH ILUVW QXPEHU 8VH WR HQWHU GHFLPDO SRLQWV
 8VH WKH DUURZ EXWWRQV WR VHOHFW DQ RSHUDWLRQ   [ ¸ DQG SUHVV 2.
 (QWHU WKH QH[W QXPEHU DQG SUHVV 2.
 5HSHDW VWHSV ² DV QHFHVVDU\
6HOHFW DQG SUHVV 2. WR FDOFXODWH WKH UHVXOW
*DPHV
7KH *DPHV PHQX FRQWDLQV  JDPHV
 3UHVV 0HQX 0RUH *DPHV
&RQWLQXH WR FRQWLQXH JDPH
5HVWDUW OHYHO WR UHVWDUW JDPH DW WKH VDPH OHYHO DV EHIRUH
6WDUW JDPH WR VWDUW D QHZ JDPH
*DPH OHYHO WR VHOHFW GLIILFXOW\ OHYHO
%HVW JUDGHV WR YLHZ \RXU EHVW UHVXOWV 3UHVV %DFN WR UHWXUQ RU
5HVHW WR UHVHW WKH VFRUHV
+HOS WR YLHZ LQVWUXFWLRQV IRU WKH JDPH 3UHVV %DFN WR UHWXUQ
6HWWLQJV 6RXQG HIIHFW WR HQDEOH RU GLVDEOH E\ XVLQJ WKH VLGH
EXWWRQV WR VHOHFW 2Q RU 2II
6HWWLQJV 9ROXPH WR DGMXVW WKH VRXQG YROXPH XVLQJ WKH VLGH
EXWWRQV ±
 3UHVV 2. WR FRQILUP
6WDWXV
6FUROO WKURXJK WKH 6WDWXV OLVW WR JHW IXUWKHU LQIRUPDWLRQ DERXW WKH
LFRQV VKRZQ RQ WRS RI \RXU GLVSOD\ ,FRQV VKRZQ RQ WKH GLVSOD\ YDULHV GH
SHQGLQJ RQ \RXU SKRQH VWDWXV
 3UHVV 0HQX 0RUH 6WDWXV
 8VH RU WR VFUROO WKH OLVW

(QJOLVK
 3UHVV %DFN WR UHWXUQ WR VWDQGE\ PRGH
$ODUP
 3UHVV 0HQX 2UJDQLVHU $ODUP 2Q
 (QWHU WKH DODUP WLPH XVLQJ WKH NH\SDG
)RU D VLQJOH RFFXUUHQFH VHOHFW 6LQJOH
)RU D UHSHDWHG DODUP VHOHFW 5HSHDWHG 6FUROO WKURXJK WKH OLVW RI
GD\V DQG SUHVV 2Q WR HQDEOH RU 2II WR GLVDEOH WKH DODUP IRU
HDFK GD\
 3UHVV 6DYH WR FRQILUP
6QRR]H RU WXUQ RII
:KHQ WKH DODUP JRHV RII D VLJQDO ZLOO VRXQG 3UHVV 6WRS WR WXUQ RII
WKH DODUP RU SUHVV 6QRR]H WR UHSHDW WKH DODUP DIWHU  PLQXWHV
1RWH 7KH DODUP ZLOO ZRUN HYHQ ZKHQ WKH SKRQH LV VZLWFKHG RII 'R QRW
SUHVV <HV WR SRZHU RQ LI ZLUHOHVV SKRQH XVH LV SURKLELWHG RU ZKHQ LW PD\
FDXVH LQWHUIHUHQFH RU GDQJHU
7LS 7R HGLW DQ DODUP SUHVV (GLW RU 2II WR VWRS WKH DODUP
&DOHQGDU
$GG WDVN
 3UHVV 0HQX 2UJDQLVHU &DOHQGDU 2SWLRQV $GG WDVN
 (QWHU GDWH WKHQ SUHVV
 (QWHU WLPH WKHQ SUHVV
 (QWHU VXEMHFW VHH (QWHU WH[W  S
 :KHQ GRQH SUHVV 2.
2SWLRQV
 3UHVV 0HQX 2UJDQLVHU &DOHQGDU 2SWLRQV
6HOHFW 9LHZ WR VKRZ WDVNV IRU WKH VHOHFWHG GDWH
6HOHFW -XPS WR GDWH DQG HQWHU WKH GDWH
 3UHVV 2. WR FRQILUP
9LHZ DOO
 3UHVV 0HQX 2UJDQLVHU &DOHQGDU
 6HOHFW D WDVN DQG SUHVV 2SWLRQV 9LHZ DOO

(QJOLVK
 3UHVV 2SWLRQV (GLW'HOHWH RU 'HOHWH DOO
 3UHVV 2. WR FRQILUP
1RWH 7KH FDOHQGDU UHPLQGHUV ZLOO ZRUN HYHQ ZKHQ WKH SKRQH LV SRZHUHG
RII 'R QRW SRZHU RQ \RXU SKRQH LI ZLUHOHVV SKRQH XVH LV SURKLELWHG RU
ZKHQ LW PD\ FDXVH LQWHUIHUHQFH RU GDQJHU
'DLO\ UHPLQGHU
 3UHVV 0HQX 2UJDQLVHU 'DLO\ UHPLQGHU $GG
 (QWHU WLPH WKHQ SUHVV
 (QWHU VXEMHFW VHH (QWHU WH[W  S
 3UHVV 2. WR FRQILUP
6QRR]H RU VWRS
:KHQ WKH DODUP VRXQGV
6HOHFW 6LOHQW 2. WR VWRS
6HOHFW 6QRR]H WR UHSHDW DIWHU  PLQXWHV
1RWH 7KH UHPLQGHU ZLOO ZRUN HYHQ ZKHQ WKH SKRQH LV SRZHUHG RII 'R QRW
SRZHU RQ \RXU SKRQH LI ZLUHOHVV SKRQH XVH LV SURKLELWHG RU ZKHQ LW PD\
FDXVH LQWHUIHUHQFH RU GDQJHU
7LS )RU PRUH RSWLRQV VHOHFW DQ H[LVWLQJ HQWU\ DQG SUHVV 2SWLRQV 6NLS
UHPLQGHU$GG(GLW'HOHWH RU 'HOHWH DOO
1RWHV
 3UHVV 0HQX 2UJDQLVHU 1RWHV $GG
 (QWHU \RXU QRWH XVLQJ WKH NH\SDG VHH (QWHU WH[W  S
 3UHVV 2. WR FRQILUP
7LS )RU PRUH RSWLRQV VHOHFW DQ H[LVWLQJ HQWU\ DQG SUHVV 2SWLRQV
9LHZ(GLW'HOHWH RU 'HOHWH DOO
:HDWKHU
,03257$17
8VLQJ GDWD VHUYLFHV FDQ EH FRVWO\ :H UHFRPPHQG WKDW \RX FKHFN \RXU
GDWD UDWHV ZLWK \RXU VHUYLFH SURYLGHU
9LHZ WKH :HDWKHU IRU \RXU FKRVHQ FLW\
(QJOLVK
 3UHVV 0HQX :HDWKHU
 3UHVV %DFN WR UHWXUQ WR VWDQGE\ PRGH
1RWH ,Q RUGHU WR VHH WKH ZHDWKHU \RX PXVW ILUVW VHOHFW D FLW\
:HDWKHU VHWWLQJV
 3UHVV 0HQX 6HWWLQJV :HDWKHU
 6HOHFW &LW\ DQG HQWHU WKH QDPH RI WKH FLW\
 8VH RU WR VHOHFW WKH FLW\ LQ WKH OLVW
 6HOHFW :DOOSDSHU DQG VHOHFW 2Q WR YLHZ WKH ZHDWKHU LQ VWDQGE\
PRGH
 3UHVV 2. WR FRQILUP
)RU PRUH RSWLRQV VHOHFW DQ H[LVWLQJ HQWU\ DQG SUHVV 2SWLRQV (GLW RU
'HOHWH
'LVSOD\ VWDWXV V\PEROV
6LJQDO VWUHQJWK 1R QHWZRUN FRYHUDJH
5LQJ RQO\ 'DWD WUDQVPLVVLRQ
5LQJ  YLEUDWLRQ $ODUP DFWLYH
9LEUDWLRQ RQO\ %DWWHU\ OHYHO
6LOHQW &DOO GLYHUW DFWLYDWHG
5RDPLQJ LQ RWKHU QHWZRUN %OXHWRRWK RQ YLVLEOH WR
RWKHUV
0LVVHG FDOO %OXHWRRWK RQ LQYLVLEOH WR
RWKHUV
+HDGVHW FRQQHFWHG %OXHWRRWK FRQQHFWHG
9RLFH PDLO PHVVDJH
UHFHLYHG 8QUHDG WH[W PHVVDJH606
8QUHDG HPDLO 8QUHDG SLFWXUH PHVVDJH
006

(QJOLVK
'LVSOD\ PDLQ V\PEROV
0XWH &KDUJHU FRQQHFWHG
0HVVDJH VHQGLQJ VXFFHVV &KDUJHU UHPRYHG
0HVVDJH VHQGLQJ IDLOHG +HDGVHW LQ
(UURU +HDGVHW RXW
:DUQLQJ 6SHDNHU RQ
4XHU\ 6SHDNHU RII
'RQH FRQILUPHG ,QFRPLQJ FDOO
1HZ PHVVDJH 2XWJRLQJ FDOO
%DWWHU\ OHYHO ORZ &DOO HQGHG
6HDUFKLQJ 0LVVHG FDOO 3UHVV 5HDG WR
VHH WKH PLVVHG FDOOV
Y&DUG PHVVDJH &DOO RQKROG
9ROXPH FRQWURO 626 FDOOV RQO\
3URFHVVLQJ SOHDVH ZDLW $VVLVWDQFH EXWWRQ FDOO
606006 XQUHDG 606006 UHDG
606006 XQVHQW 606006 VHQW
(PDLO ZLWKRXW DQG ZLWK DW
WDFKPHQW XQUHDG (PDLO ZLWKRXW DQG ZLWK DW
WDFKPHQW UHDG
5HVHW VHWWLQJV
 3UHVV 0HQX 6HWWLQJV 6HFXULW\

(QJOLVK
 6HOHFW 5HVHW VHWWLQJV WR UHVHW WKH SKRQH VHWWLQJV $OO WKH FKDQJHV
WKDW \RX KDYH PDGH WR WKH SKRQH VHWWLQJV ZLOO EH UHVHW WR GHIDXOW
VHWWLQJV
 (QWHU WKH SKRQH FRGH DQG SUHVV 2. WR UHVHW
7LS 7KH GHIDXOW SKRQH FRGH LV 
5HVHW DOO
 3UHVV 0HQX 6HWWLQJV 6HFXULW\
 6HOHFW 5HVHW DOO WR GHOHWH SKRQH VHWWLQJV DQG FRQWHQW VXFK DV FRQ
WDFWV QXPEHU OLVWV DQG PHVVDJHV 6,0 PHPRU\ LV QRW DIIHFWHG
 (QWHU WKH SKRQH FRGH DQG SUHVV 2. WR UHVHW
7LS 7KH GHIDXOW SKRQH FRGH LV 
7URXEOHVKRRWLQJ
3KRQH FDQQRW EH VZLWFKHG RQ
%DWWHU\ FKDUJH ORZ &RQQHFW WKH SRZHU DGDSWHU DQG FKDUJH WKH EDW
WHU\ IRU  KRXUV )XOO EDWWHU\ FDSDFLW\ LV UHDFKHG
DIWHU WKH EDWWHU\ KDV EHHQ FKDUJHG ² WLPHV
%DWWHU\ LQFRUUHFWO\
LQVWDOOHG
&KHFN WKH LQVWDOODWLRQ RI WKH EDWWHU\
)DLOXUH WR FKDUJH WKH EDWWHU\
%DWWHU\ RU FKDUJHU
GDPDJHG
&KHFN WKH EDWWHU\ DQG FKDUJHU
%DWWHU\ VKRXOG RQO\ EH
FKDUJHG LQ WHPSHUDWXUHV
EHWZHHQ  & DQG  &
,PSURYH WKH FKDUJLQJ HQYLURQPHQW
&KDUJHU LQFRUUHFWO\ FRQ
QHFWHG WR SKRQH RU
SRZHU VRFNHW
&KHFN WKH FKDUJHU FRQQHFWLRQV
6WDQGE\ WLPH GHFUHDVHV
%DWWHU\ FKDUJH FDSDFLW\
WRR ORZ
,QVWDOO D QHZ EDWWHU\
7RR IDU IURP EDVH VWD
WLRQ SKRQH LV FRQVWDQWO\
VHDUFKLQJ IRU VLJQDO
6HDUFKLQJ WKH QHWZRUN FRQVXPHV EDWWHU\ SRZHU
)LQG D SODFH ZLWK D VWURQJHU VLJQDO RU WHPSRUD
ULO\ WXUQ RII WKH SKRQH

(QJOLVK
)DLOXUH WR SODFH RU UHFHLYH FDOOV
&DOO EDUULQJ DFWLYDWHG 'HDFWLYDWH FDOO EDUULQJ ,I WKLV GRHV QRW VROYH WKH
SUREOHP FRQWDFW \RXU VHUYLFH SURYLGHU
3,1 FRGH QRW DFFHSWHG
:URQJ 3,1 FRGH HQWHUHG
WRR PDQ\ WLPHV
(QWHU WKH 38. FRGH WR FKDQJH WKH 3,1 FRGH RU
FRQWDFW \RXU VHUYLFH SURYLGHU
6,0 FDUG HUURU
6,0 FDUG GDPDJHG &KHFN WKH FRQGLWLRQ RI WKH 6,0 FDUG ,I LW LV GDP
DJHG FRQWDFW \RXU VHUYLFH SURYLGHU
6,0 FDUG LQFRUUHFWO\
LQVWDOOHG
&KHFN WKH LQVWDOODWLRQ RI WKH 6,0 FDUG 5HPRYH
WKH FDUG DQG UHLQVWDOO LW
6,0 FDUG GLUW\ RU GDPS :LSH WKH FRQWDFW VXUIDFHV RI WKH 6,0 FDUG ZLWK D
FOHDQ FORWK
)DLOXUH WR FRQQHFW WR QHWZRUN
6,0 FDUG LQYDOLG &RQWDFW \RXU VHUYLFH SURYLGHU
1R FRYHUDJH RI *60
VHUYLFH
&RQWDFW \RXU VHUYLFH SURYLGHU
:HDN VLJQDO
7RR IDU IURP EDVH
VWDWLRQ
7U\ DJDLQ IURP DQRWKHU ORFDWLRQ
1HWZRUN FRQJHVWLRQ 7U\ FDOOLQJ DW D ODWHU WLPH
(FKR RU QRLVH
5HJLRQDO SUREOHP IURP
EDG QHWZRUN UHOD\
+DQJ XS DQG UHGLDO 7KLV PD\ VZLWFK WR DQRWKHU
QHWZRUN UHOD\
)DLOXUH WR DGG D FRQWDFW
3KRQHERRN PHPRU\ IXOO 'HOHWH FRQWDFWV WR IUHH XS PHPRU\
)DLOXUH WR VHW D IXQFWLRQ
)XQFWLRQ QRW VXSSRUWHG
RU VXEVFULEHG IURP
QHWZRUN
&RQWDFW \RXU VHUYLFH SURYLGHU

(QJOLVK
)DLOXUH WR VHQG RU GRZQORDG 006
3KRQH PHPRU\ LV IXOO
DQG LW LV QRW SRVVLEOH WR
VHQG RU GRZQORDG 006
'HOHWH UHFHLYHG 006 RU VHOHFW WR VHW WKH GHIDXOW
VWRUDJH IRU 006 WR EH VDYHG RQ D PHPRU\ FDUG
QRW LQFOXGHG
,QFRUUHFW 006 SURILOH
VHOHFWHG
)RU VRPH VHUYLFH SURYLGHUV WKH 006 SURILOH KDV
WR EH VHOHFWHG PDQXDOO\
6DIHW\ LQVWUXFWLRQV
&$87,21
7KH XQLW DQG WKH DFFHVVRULHV FDQ FRQWDLQ VPDOO SDUWV .HHS DOO RI WKH HTXLSPHQW RXW
RI WKH UHDFK RI VPDOO FKLOGUHQ
7KH PDLQV DGDSWHU LV WKH GLVFRQQHFW GHYLFH EHWZHHQ WKH SURGXFW DQG PDLQV SRZHU
7KH PDLQV VRFNHW RXWOHW PXVW EH FORVH WR WKH HTXLSPHQW DQG HDVLO\ DFFHVVLEOH
1HWZRUN VHUYLFHV DQG FRVWV
<RXU GHYLFH LV DSSURYHG IRU XVH RQ WKH :&'0$  0+] *60 
0+] QHWZRUNV 7R XVH WKH GHYLFH \RX QHHG D VXEVFULSWLRQ ZLWK D VHUYLFH SURYLGHU
8VLQJ QHWZRUN VHUYLFHV PD\ UHVXOW LQ WUDIILF FRVWV 6RPH SURGXFW IHDWXUHV UHTXLUH VXS
SRUW IURP WKH QHWZRUN DQG \RX PD\ QHHG WR VXEVFULEH WR WKHP
2SHUDWLQJ HQYLURQPHQW
)ROORZ WKH UXOHV DQG ODZV WKDW DSSO\ ZKHUHYHU \RX DUH DQG DOZD\V WXUQ RII WKH XQLW
ZKHQHYHU LWV XVH LV SURKLELWHG RU FDQ FDXVH LQWHUIHUHQFH RU KD]DUGV 2QO\ XVH WKH XQLW LQ
LWV QRUPDO XVHU SRVLWLRQ
3DUWV RI WKH XQLW DUH PDJQHWLF 7KH XQLW FDQ DWWUDFW PHWDO REMHFWV 'R QRW NHHS FUHGLW
FDUGV RU RWKHU PDJQHWLF PHGLD QHDU WKH XQLW 7KHUH LV D ULVN WKDW LQIRUPDWLRQ VWRUHG RQ
WKHP FDQ EH HUDVHG
0HGLFDO XQLWV
7KH XVH RI HTXLSPHQW WKDW WUDQVPLWV UDGLR VLJQDOV IRU H[DPSOH PRELOH SKRQHV FDQ LQ
WHUIHUH ZLWK LQVXIILFLHQWO\ SURWHFWHG PHGLFDO HTXLSPHQW &RQVXOW D GRFWRU RU WKH PDQX
IDFWXUHU RI WKH HTXLSPHQW WR GHWHUPLQH LI LW KDV DGHTXDWH SURWHFWLRQ DJDLQVW H[WHUQDO
UDGLR VLJQDOV RU LI \RX KDYH DQ\ TXHVWLRQV ,I QRWLFHV KDYH EHHQ SXW XS DW KHDOWK FDUH ID
FLOLWLHV LQVWUXFWLQJ \RX WR WXUQ RII WKH XQLW ZKLOH \RX DUH WKHUH \RX VKRXOG FRPSO\ +RVSL
WDOV DQG RWKHU KHDOWK FDUH IDFLOLWLHV VRPHWLPHV XVH HTXLSPHQW WKDW FDQ EH VHQVLWLYH WR
H[WHUQDO UDGLR VLJQDOV

(QJOLVK
,PSODQWHG PHGLFDO GHYLFHV
7R DYRLG SRWHQWLDO LQWHUIHUHQFH PDQXIDFWXUHUV RI LPSODQWHG PHGLFDO GHYLFHV UHFRP
PHQG D PLQLPXP VHSDUDWLRQ RI  FP EHWZHHQ D ZLUHOHVV GHYLFH DQG WKH PHGLFDO GH
YLFH 3HUVRQV ZKR KDYH VXFK GHYLFHV VKRXOG
$OZD\V NHHS WKH ZLUHOHVV GHYLFH PRUH WKDQ  FP IURP WKH PHGLFDO GHYLFH
6KRXOG QRW FDUU\ WKH SKRQH LQ D EUHDVW SRFNHW
+ROG WKH ZLUHOHVV GHYLFH WR WKH HDU RSSRVLWH WKH PHGLFDO GHYLFH
,I \RX KDYH DQ\ UHDVRQ WR VXVSHFW WKDW LQWHUIHUHQFH LV WDNLQJ SODFH WXUQ WKH SKRQH RII
LPPHGLDWHO\ ,I \RX KDYH DQ\ TXHVWLRQV DERXW XVLQJ \RXU ZLUHOHVV GHYLFH ZLWK DQ LP
SODQWHG PHGLFDO GHYLFH FRQVXOW \RXU KHDOWK FDUH SURYLGHU
$UHDV ZLWK H[SORVLRQ ULVN
$OZD\V WXUQ RII WKH XQLW ZKHQ \RX DUH LQ DQ DUHD ZKHUH WKHUH LV D ULVN RI H[SORVLRQ )RO
ORZ DOO VLJQV DQG LQVWUXFWLRQV 7KHUH LV D ULVN RI H[SORVLRQ LQ SODFHV WKDW LQFOXGH DUHDV
ZKHUH \RX DUH QRUPDOO\ UHTXHVWHG WR WXUQ RII \RXU FDU HQJLQH ,Q WKHVH DUHDV VSDUNV
FDQ FDXVH H[SORVLRQ RU ILUH ZKLFK FDQ OHDG WR SHUVRQDO LQMXU\ RU HYHQ GHDWK
7XUQ RII WKH XQLW DW ILOOLQJ VWDWLRQV DQG DQ\ RWKHU SODFH WKDW KDV IXHO SXPSV DQG DXWR UH
SDLU IDFLOLWLHV
)ROORZ WKH UHVWULFWLRQV WKDW DSSO\ WR WKH XVH RI UDGLR HTXLSPHQW QHDU SODFHV ZKHUH IXHO
LV VWRUHG DQG VROG FKHPLFDO IDFWRULHV DQG SODFHV ZKHUH EODVWLQJ LV LQ SURJUHVV
$UHDV ZLWK ULVN IRU H[SORVLRQ DUH RIWHQ ² EXW QRW DOZD\V ² FOHDUO\ PDUNHG 7KLV DOVR DS
SOLHV WR EHORZ GHFNV RQ VKLSV WKH WUDQVSRUW RU VWRUDJH RI FKHPLFDOV YHKLFOHV WKDW XVH
OLTXLG IXHO VXFK DV SURSDQH RU EXWDQH DUHDV ZKHUH WKH DLU FRQWDLQV FKHPLFDOV RU SDU
WLFOHV VXFK DV JUDLQ GXVW RU PHWDO SRZGHU
/LLRQ EDWWHU\
7KLV SURGXFW FRQWDLQV D /LLRQ EDWWHU\ 7KHUH LV D ULVN RI ILUH DQG EXUQV LI WKH EDWWHU\ SDFN
LV KDQGOHG LPSURSHUO\
:$51,1*
'DQJHU RI H[SORVLRQ LI EDWWHU\ LV LQFRUUHFWO\ UHSODFHG 7R UHGXFH ULVN RI ILUH RU EXUQV
GR QRW GLVDVVHPEOH FUXVK SXQFWXUH VKRUW H[WHUQDO FRQWDFWV H[SRVH WR WHPSHUDWXUH
DERYH  &  ) RU GLVSRVH RI LQ ILUH RU ZDWHU 5HF\FOH RU GLVSRVH RI XVHG
EDWWHULHV DFFRUGLQJ WR WKH ORFDO UHJXODWLRQV RU UHIHUHQFH JXLGH VXSSOLHG ZLWK \RXU
SURGXFW
3URWHFW \RXU KHDULQJ
7KLV GHYLFH KDV EHHQ WHVWHG WR FRPSO\ ZLWK WKH 6RXQG 3UHVVXUH /HYHO UHTXLUHPHQW ODLG
GRZQ LQ WKH DSSOLFDEOH (1  DQGRU (1  VWDQGDUGV
(QJOLVK
:$51,1*
([FHVVLYH H[SRVXUH WR ORXG VRXQGV FDQ FDXVH KHDULQJ GDPDJH ([SRVXUH
WR ORXG VRXQGV ZKLOH GULYLQJ PD\ GLVWUDFW \RXU DWWHQWLRQ DQG FDXVH DQ
DFFLGHQW /LVWHQ WR D KHDGVHW DW D PRGHUDWH OHYHO DQG GR QRW KROG WKH
GHYLFH QHDU \RXU HDU ZKHQ WKH ORXGVSHDNHU LV LQ XVH
(PHUJHQF\ FDOOV
,03257$17
0RELOH SKRQHV XVH UDGLR VLJQDOV WKH PRELOH SKRQH QHWZRUN WKH WHUUHVWULDO QHWZRUN
DQG XVHUSURJUDPPHG IXQFWLRQV 7KLV PHDQV WKDW FRQQHFWLRQ FDQQRW EH JXDUDQWHHG
LQ DOO FLUFXPVWDQFHV 7KHUHIRUH QHYHU UHO\ RQO\ RQ D PRELOH SKRQH IRU YHU\ LPSRUWDQW
FDOOV VXFK DV PHGLFDO HPHUJHQFLHV
*36/RFDWLRQ EDVHG IXQFWLRQV
6RPH SURGXFWV SURYLGH *36/RFDWLRQ EDVHG IXQFWLRQV /RFDWLRQ GHWHUPLQLQJ IXQFWLRQDO
LW\ LV SURYLGHG ´$V LVµ 1R UHSUHVHQWDWLRQ RU ZDUUDQW\ DUH PDGH DV WR WKH DFFXUDF\ RI
VXFK ORFDWLRQ LQIRUPDWLRQ 8VH RI ORFDWLRQEDVHG LQIRUPDWLRQ E\ WKH GHYLFH PD\ QRW EH
XQLQWHUUXSWHG RU HUURU IUHH DQG PD\ DGGLWLRQDOO\ EH GHSHQGHQW RQ QHWZRUN VHUYLFH DYDLO
DELOLW\ 3OHDVH QRWH WKDW IXQFWLRQDOLW\ PD\ EH UHGXFHG RU SUHYHQWHG LQ FHUWDLQ HQYLURQ
PHQWV VXFK DV EXLOGLQJ LQWHULRUV RU DUHDV DGMDFHQW WR EXLOGLQJV
&$87,21
'R QRW XVH *36 IXQFWLRQDOLW\ LQ D PDQQHU ZKLFK FDXVHV GLVWUDFWLRQ IURP GULYLQJ
9HKLFOHV
5DGLR VLJQDOV FDQ DIIHFW HOHFWURQLF V\VWHPV LQ PRWRU YHKLFOHV IRU H[DPSOH HOHFWURQLF
IXHO LQMHFWLRQ $%6 EUDNHV DXWRPDWLF FUXLVH FRQWURO DLU EDJ V\VWHPV WKDW KDYH EHHQ LQ
FRUUHFWO\ LQVWDOOHG RU DUH LQDGHTXDWHO\ SURWHFWHG &RQWDFW WKH PDQXIDFWXUHU RU LWV UHSUH
VHQWDWLYH IRU PRUH LQIRUPDWLRQ DERXW \RXU YHKLFOH RU DQ\ DGGLWLRQDO HTXLSPHQW
'R QRW NHHS RU WUDQVSRUW IODPPDEOH OLTXLGV JDVHV RU H[SORVLYHV WRJHWKHU ZLWK WKH XQLW
RU LWV DFFHVVRULHV )RU YHKLFOHV HTXLSSHG ZLWK DLU EDJV 5HPHPEHU WKDW DLU EDJV ILOO ZLWK
DLU ZLWK FRQVLGHUDEOH IRUFH
'R QRW SODFH REMHFWV LQFOXGLQJ IL[HG RU SRUWDEOH UDGLR HTXLSPHQW LQ WKH DUHD DERYH WKH
DLUEDJ RU WKH DUHD ZKHUH LW PLJKW H[SDQG 6HULRXV LQMXULHV PD\ EH FDXVHG LI WKH PRELOH
SKRQH HTXLSPHQW LV LQFRUUHFWO\ LQVWDOOHG DQG WKH DLUEDJ ILOOV ZLWK DLU
,W LV SURKLELWHG WR XVH WKH XQLW LQ IOLJKW 7XUQ RII WKH XQLW EHIRUH \RX ERDUG D SODQH 8VLQJ
ZLUHOHVV WHOHFRP XQLWV LQVLGH D SODQH FDQ SRVH ULVNV WR DLU VDIHW\ DQG LQWHUIHUH ZLWK WHOH
FRPPXQLFDWLRQV ,W PD\ DOVR EH LOOHJDO
3URWHFW \RXU SHUVRQDO GDWD
3URWHFW \RXU SHUVRQDO GDWD DQG SUHYHQW OHDNDJH RU PLVXVH RI VHQVLWLYH LQIRUPDWLRQ

(QJOLVK
:KLOH XVLQJ \RXU GHYLFH EH VXUH WR EDFN XS LPSRUWDQW GDWD
:KHQ GLVSRVLQJ RI \RXU GHYLFH EDFN XS DOO GDWD DQG WKHQ UHVHW \RXU GHYLFH WR SUH
YHQW PLVXVH RI \RXU SHUVRQDO LQIRUPDWLRQ
&DUHIXOO\ UHDG WKH SHUPLVVLRQV VFUHHQ ZKHQ GRZQORDGLQJ DSSOLFDWLRQV %H SDUWLFX
ODUO\ FDXWLRXV ZLWK DSSOLFDWLRQV WKDW KDYH DFFHVV WR PDQ\ IXQFWLRQV RU WR D VLJQLIL
FDQW DPRXQW RI \RXU SHUVRQDO LQIRUPDWLRQ
&KHFN \RXU DFFRXQWV UHJXODUO\ IRU XQDSSURYHG RU VXVSLFLRXV XVH ,I \RX ILQG DQ\
VLJQ RI PLVXVH RI \RXU SHUVRQDO LQIRUPDWLRQ FRQWDFW \RXU VHUYLFH SURYLGHU WR GHOHWH
RU FKDQJH \RXU DFFRXQW LQIRUPDWLRQ
,Q WKH HYHQW \RXU GHYLFH LV ORVW RU VWROHQ FKDQJH WKH SDVVZRUGV RQ \RXU DFFRXQWV
WR SURWHFW \RXU SHUVRQDO LQIRUPDWLRQ
$YRLG XVLQJ DSSOLFDWLRQV IURP XQNQRZQ VRXUFHV DQG ORFN \RXU GHYLFH ZLWK D SDWWHUQ
SDVVZRUG RU 3,1
0DOZDUH DQG YLUXVHV
7R SURWHFW \RXU GHYLFH IURP PDOZDUH DQG YLUXVHV IROORZ WKHVH XVDJH WLSV )DLOXUH WR GR
VR PD\ UHVXOW LQ GDPDJHV RU ORVV RI GDWD WKDW PD\ QRW EH FRYHUHG E\ WKH ZDUUDQW\
VHUYLFH
'R QRW GRZQORDG XQNQRZQ DSSOLFDWLRQV
'R QRW YLVLW XQWUXVWHG ZHEVLWHV
'HOHWH VXVSLFLRXV PHVVDJHV RU HPDLO IURP XQNQRZQ VHQGHUV
6HW D SDVVZRUG DQG FKDQJH LW UHJXODUO\
'HDFWLYDWH ZLUHOHVV IHDWXUHV VXFK DV %OXHWRRWK ZKHQ QRW LQ XVH
,I WKH GHYLFH EHKDYHV DEQRUPDOO\ UXQ DQ DQWLYLUXV SURJUDP WR FKHFN IRU LQIHFWLRQ
5XQ DQ DQWLYLUXV SURJUDP RQ \RXU GHYLFH EHIRUH \RX ODXQFK QHZO\GRZQORDGHG DS
SOLFDWLRQV DQG ILOHV
'R QRW HGLW UHJLVWU\ VHWWLQJV RU PRGLI\ WKH GHYLFH·V RSHUDWLQJ V\VWHP
&DUH DQG PDLQWHQDQFH
<RXU XQLW LV D WHFKQLFDOO\ DGYDQFHG SURGXFW DQG VKRXOG EH WUHDWHG ZLWK WKH JUHDWHVW FDUH
1HJOLJHQFH PD\ YRLG WKH ZDUUDQW\
3URWHFW WKH XQLW IURP PRLVWXUH 5DLQ VQRZ KXPLGLW\ DQG DOO W\SHV RI OLTXLGV FDQ
FRQWDLQ VXEVWDQFHV WKDW FRUURGH WKH HOHFWURQLF FLUFXLWV ,I WKH XQLW JHWV ZHW \RX
VKRXOG LPPHGLDWHO\ SRZHU RII WKH SKRQH UHPRYH WKH EDWWHU\ DQG DOORZ WKH XQLW WR
GU\ FRPSOHWHO\ EHIRUH \RX UHSODFH LW
'R QRW XVH RU NHHS WKH XQLW LQ GXVW\ GLUW\ HQYLURQPHQWV 7KH XQLW·V PRYLQJ SDUWV
DQG HOHFWURQLF FRPSRQHQWV FDQ EH GDPDJHG
'R QRW NHHS WKH XQLW LQ ZDUP SODFHV +LJK WHPSHUDWXUHV FDQ UHGXFH WKH OLIHVSDQ
IRU HOHFWURQLF HTXLSPHQW GDPDJH EDWWHULHV DQG GLVWRUW RU PHOW FHUWDLQ SODVWLFV
'R QRW NHHS WKH XQLW LQ FROG SODFHV :KHQ WKH XQLW ZDUPV XS WR QRUPDO WHPSHUD
WXUH FRQGHQVDWLRQ FDQ IRUP RQ WKH LQVLGH DQG FDQ GDPDJH WKH HOHFWURQLF FLUFXLWV
'R QRW WU\ WR RSHQ WKH XQLW LQ DQ\ RWKHU ZD\ WKDQ WKDW ZKLFK LV LQGLFDWHG KHUH

(QJOLVK
'R QRW GURS RU VKDNH WKH XQLW ,I LW LV WUHDWHG URXJKO\ WKH FLUFXLWV DQG SUHFLVLRQ PH
FKDQLFV FDQ EH EURNHQ
'R QRW XVH VWURQJ FKHPLFDOV WR FOHDQ WKH XQLW
'R QRW GLVDVVHPEOH RSHQ FUXVK EHQG GHIRUP SXQFWXUH RU VKUHG
'R QRW PRGLI\ RU UHPDQXIDFWXUH DWWHPSW WR LQVHUW IRUHLJQ REMHFWV LQWR WKH EDWWHU\
LPPHUVH RU H[SRVH WR ZDWHU RU RWKHU OLTXLGV H[SRVH WR ILUH H[SORVLRQ RU RWKHU
KD]DUG
2QO\ XVH WKH EDWWHU\ IRU WKH V\VWHP IRU ZKLFK LW LV VSHFLILHG
2QO\ XVH WKH EDWWHU\ ZLWK D FKDUJLQJ V\VWHP WKDW KDV EHHQ TXDOLILHG ZLWK WKH V\VWHP
SHU ,(((6WG 8VH RI DQ XQTXDOLILHG EDWWHU\ RU FKDUJHU PD\ SUHVHQW D ULVN RI
ILUH H[SORVLRQ OHDNDJH RU RWKHU KD]DUG
'R QRW VKRUW FLUFXLW D EDWWHU\ RU DOORZ PHWDOOLF FRQGXFWLYH REMHFWV WR FRQWDFW EDWWHU\
WHUPLQDOV
5HSODFH WKH EDWWHU\ RQO\ ZLWK DQRWKHU EDWWHU\ WKDW KDV EHHQ TXDOLILHG ZLWK WKH V\V
WHP SHU WKLV VWDQGDUG ,(((6WG 8VH RI DQ XQTXDOLILHG EDWWHU\ PD\ SUHVHQW D
ULVN RI ILUH H[SORVLRQ OHDNDJH RU RWKHU KD]DUG
3URPSWO\ GLVSRVH RI XVHG EDWWHULHV LQ DFFRUGDQFH ZLWK ORFDO UHJXODWLRQV
%DWWHU\ XVDJH E\ FKLOGUHQ VKRXOG EH VXSHUYLVHG
,PSURSHU EDWWHU\ XVH PD\ UHVXOW LQ D ILUH H[SORVLRQ RU RWKHU KD]DUG
)RU GHYLFHV WKDW XWLOL]H D 86% SRUW DV D FKDUJLQJ VRXUFH WKH GHYLFHV XVHU PDQXDO VKDOO
LQFOXGH D VWDWHPHQW WKDW WKH GHYLFH VKDOO RQO\ EH FRQQHFWHG WR &7,$ FHUWLILHG DGDSWHUV
SURGXFWV WKDW EHDU WKH 86%,) ORJR RU SURGXFWV WKDW KDYH FRPSOHWHG WKH 86%,) FRPSOL
DQFH SURJUDP
7KH DGYLFH DSSOLHV WR WKH XQLW EDWWHU\ SRZHU DGDSWHU DQG RWKHU DFFHVVRULHV ,I WKH
SKRQH LV QRW ZRUNLQJ DV LW VKRXOG SOHDVH FRQWDFW WKH SODFH RI SXUFKDVH IRU VHUYLFH
'RQ·W IRUJHW WKH UHFHLSW RU D FRS\ RI WKH LQYRLFH
:DUUDQW\
7KLV SURGXFW LV JXDUDQWHHG IRU D SHULRG RI  PRQWKV IURP WKH GDWH RI SXUFKDVH ,Q WKH
XQOLNHO\ HYHQW RI D IDXOW RFFXUULQJ GXULQJ WKLV SHULRG SOHDVH FRQWDFW WKH SODFH RI SXU
FKDVH 3URRI RI SXUFKDVH LV UHTXLUHG IRU DQ\ VHUYLFH RU VXSSRUW QHHGHG GXULQJ WKH JXDU
DQWHH SHULRG
7KLV JXDUDQWHH ZLOO QRW DSSO\ WR D IDXOW FDXVHG E\ DQ DFFLGHQW RU D VLPLODU LQFLGHQW RU
GDPDJH OLTXLG LQJUHVV QHJOLJHQFH DEQRUPDO XVDJH QRQPDLQWHQDQFH RU DQ\ RWKHU FLU
FXPVWDQFHV RQ WKH XVHU·V SDUW )XUWKHUPRUH WKLV JXDUDQWHH ZLOO QRW DSSO\ WR DQ\ IDXOW
FDXVHG E\ D WKXQGHUVWRUP RU DQ\ RWKHU YROWDJH IOXFWXDWLRQV $V D PDWWHU RI SUHFDXWLRQ
ZH UHFRPPHQG GLVFRQQHFWLQJ WKH FKDUJHU GXULQJ D WKXQGHUVWRUP
%DWWHULHV DUH FRQVXPDEOHV DQG DUH QRW LQFOXGHG LQ DQ\ JXDUDQWHH
7KLV JXDUDQWHH GRHV QRW DSSO\ LI EDWWHULHV RWKHU WKDQ '252 RULJLQDO EDWWHULHV DUH XVHG
&RS\ULJKW DQG RWKHU QRWLFHV
%OXHWRRWKLV D UHJLVWHUHG WUDGHPDUN RI %OXHWRRWK 6,* ,QF

(QJOLVK
Y&DUG LV D WUDGHPDUN RI WKH ,QWHUQHW 0DLO &RQVRUWLXP
H=L7\SHLV D WUDGHPDUN RI =L &RUSRUDWLRQ
:L)L LV D WUDGHPDUN RU D UHJLVWHUHG WUDGHPDUN RI WKH :L)L $OOLDQFH
PLFUR6' LV D WUDGHPDUN RI 6' &DUG $VVRFLDWLRQ
-DYD -0( DQG DOO RWKHU -DYDEDVHG PDUNV DUH WUDGHPDUNV RU UHJLVWHUHG WUDGHPDUNV RI
6XQ 0LFURV\VWHPV ,QF LQ WKH 8QLWHG 6WDWHV DQG RWKHU FRXQWULHV
7KH FRQWHQWV RI WKLV GRFXPHQW DUH SURYLGHG DV LV ([FHSW DV UHTXLUHG E\ DSSOLFDEOH
ODZ QR ZDUUDQWLHV RI DQ\ NLQG HLWKHU H[SUHVV RU LPSOLHG LQFOXGLQJ EXW QRW OLPLWHG WR
WKH LPSOLHG ZDUUDQWLHV RI PHUFKDQWDELOLW\ DQG ILWQHVV IRU D SDUWLFXODU SXUSRVH DUH PDGH
LQ UHODWLRQ WR WKH DFFXUDF\ UHOLDELOLW\ RU FRQWHQWV RI WKLV GRFXPHQW 'RUR UHVHUYHV WKH
ULJKW WR UHYLVH WKLV GRFXPHQW RU ZLWKGUDZ LW DW DQ\ WLPH ZLWKRXW SULRU QRWLFH
*RRJOH *RRJOH 0DSV *PDLO *RRJOH &DOHQGDU *RRJOH &KHFNRXW +DQJRXWV <RX7XEH
WKH <RX7XEH ORJR 3LFDVD DQG $QGURLG DUH WUDGHPDUNV RU UHJLVWHUHG WUDGHPDUNV RI *RR
JOH ,QF
7KLV SURGXFW LV OLFHQVHG XQGHU WKH 03(* YLVXDO DQG $9& SDWHQW SRUWIROLR OLFHQVHV IRU
WKH SHUVRQDO DQG QRQFRPPHUFLDO XVH RI D FRQVXPHU IRU L HQFRGLQJ YLGHR LQ FRPSOL
DQFH ZLWK WKH 03(* YLVXDO VWDQGDUG 03(* YLGHR RU WKH $9& VWDQGDUG $9& YLG
HR DQGRU LL GHFRGLQJ 03(*  RU $9& YLGHR WKDW ZDV HQFRGHG E\ D FRQVXPHU
HQJDJHG LQ D SHUVRQDO DQG QRQFRPPHUFLDO DFWLYLW\ DQGRU ZDV REWDLQHG IURP D YLGHR
SURYLGHU OLFHQVHG E\ 03(* /$ WR SURYLGH 03(* DQGRU $9& YLGHR 1R OLFHQVH LV
JUDQWHG RU VKDOO EH LPSOLHG IRU DQ\ RWKHU XVH $GGLWLRQDO LQIRUPDWLRQ LQFOXGLQJ WKDW UHODW
LQJ WR SURPRWLRQDO LQWHUQDO DQG FRPPHUFLDO XVHV DQG OLFHQVLQJ PD\ EH REWDLQHG IURP
03(* /$ //& 6HH ZZZPSHJODFRP 03(* /D\HU DXGLR GHFRGLQJ WHFKQRORJ\ OL
FHQVHG IURP )UDXQKRIHU ,,6 DQG 7KRPVRQ
2WKHU SURGXFW DQG FRPSDQ\ QDPHV PHQWLRQHG KHUHLQ PD\ EH WKH WUDGHPDUNV RI WKHLU
UHVSHFWLYH RZQHUV
$Q\ ULJKWV QRW H[SUHVVO\ JUDQWHG KHUHLQ DUH UHVHUYHG $OO RWKHU WUDGHPDUNV DUH SURSHUW\
RI WKHLU UHVSHFWLYH RZQHUV
7R WKH PD[LPXP H[WHQW SHUPLWWHG E\ DSSOLFDEOH ODZ XQGHU QR FLUFXPVWDQFHV VKDOO 'RUR
RU DQ\ RI LWV OLFHQVRUV EH UHVSRQVLEOH IRU DQ\ ORVV RI GDWD RU LQFRPH RU DQ\ VSHFLDO LQFL
GHQWDO FRQVHTXHQWLDO RU LQGLUHFW GDPDJHV KRZVRHYHU FDXVHG
'RUR GRHV QRW SURYLGH D ZDUUDQW\ IRU RU WDNH DQ\ UHVSRQVLELOLW\ IRU WKH IXQFWLRQDOLW\ FRQ
WHQW RU HQGXVHU VXSSRUW RI WKLUGSDUW\ DSSV SURYLGHG ZLWK \RXU GHYLFH %\ XVLQJ DQ DSS
\RX DFNQRZOHGJH WKDW WKH DSS LV SURYLGHG DV LV 'RUR GRHV QRW PDNH DQ\ UHSUHVHQWD
WLRQV SURYLGH D ZDUUDQW\ RU WDNH DQ\ UHVSRQVLELOLW\ IRU WKH IXQFWLRQDOLW\ FRQWHQW RU HQG
XVHU VXSSRUW RI WKLUGSDUW\ DSSV SURYLGHG ZLWK \RXU GHYLFH
&RQWHQW FRS\ULJKW
7KH XQDXWKRULVHG FRS\LQJ RI FRS\ULJKWHG PDWHULDOV LV FRQWUDU\ WR WKH SURYLVLRQV RI WKH
&RS\ULJKW /DZV RI WKH 8QLWHG 6WDWHV DQG RWKHU FRXQWULHV 7KLV GHYLFH LV LQWHQGHG VROHO\
IRU FRS\LQJ QRQFRS\ULJKWHG PDWHULDOV PDWHULDOV LQ ZKLFK \RX RZQ WKH FRS\ULJKW RU
(QJOLVK
PDWHULDOV ZKLFK \RX DUH DXWKRULVHG RU OHJDOO\ SHUPLWWHG WR FRS\ ,I \RX DUH XQFHUWDLQ
DERXW \RXU ULJKW WR FRS\ DQ\ PDWHULDO SOHDVH FRQWDFW \RXU OHJDO DGYLVRU
6SHFLILFDWLRQV
1HWZRUN :&'0$  0+] *60  0+]
'LPHQVLRQV  PP [  PP [  PP
:HLJKW  J LQFOXGLQJ EDWWHU\
%DWWHU\  9   P$K /LLRQ EDWWHU\
2SHUDWLQJ DPELHQW
WHPSHUDWXUH
0LQ & )
0D[ & )
&KDUJLQJ DPELHQW
WHPSHUDWXUH
0LQ & )
0D[ & )
6WRUDJH WHPSHUDWXUH 0LQ²& ²)
0D[ & )
+HDULQJ DLG FRPSDWLELOLW\
1RWH )RU KHDULQJ DLG FRPSDWLELOLW\ WXUQ RII %OXHWRRWK FRQQHFWLYLW\
7KLV SKRQH LV KHDULQJ DLG FRPSDWLEOH +HDULQJ DLG FRPSDWLELOLW\ LV QRW D JXDUDQWHH WKDW
D VSHFLILF KHDULQJ DLG ZLOO ZRUN ZLWK D VSHFLILF SKRQH 0RELOH SKRQHV FRQWDLQ UDGLR
WUDQVPLWWHUV WKDW PD\ LQWHUIHUH ZLWK KHDULQJ DLG SHUIRUPDQFH 7KLV SKRQH KDV EHHQ
WHVWHG IRU XVH ZLWK KHDULQJ DLGV IRU VRPH RI WKH ZLUHOHVV WHFKQRORJLHV WKDW LW XVHV EXW
WKHUH PD\ EH VRPH QHZHU ZLUHOHVV WHFKQRORJLHV WKDW KDYH QRW EHHQ WHVWHG \HW IRU XVH
ZLWK KHDULQJ DLGV 7R HQVXUH WKDW D VSHFLILF KHDULQJ DLG ZRUNV ZHOO ZLWK WKLV SKRQH WHVW
WKHP WRJHWKHU EHIRUH PDNLQJ D SXUFKDVH
7KH VWDQGDUG IRU KHDULQJ DLG FRPSDWLELOLW\ FRQWDLQV WZR W\SHV RI UDWLQJV
0 7R XVH \RXU KHDULQJ DLG LQ WKLV PRGH PDNH VXUH WKDW \RXU KHDULQJ DLG LV VHW WR
0PRGH RU DFRXVWLF FRXSOLQJ PRGH DQG SRVLWLRQ WKH SKRQHV UHFHLYHU QHDU WKH
KHDULQJ DLG·V EXLOWLQ PLFURSKRQH )RU WKH EHVW UHVXOWV WU\ XVLQJ WKH SKRQH LQ GLIIHU
HQW SRVLWLRQV UHODWLYH WR \RXU KHDULQJ DLG³IRU H[DPSOH SODFLQJ WKH UHFHLYHU VOLJKWO\
DERYH WKH HDU PD\ UHVXOW LQ EHWWHU SHUIRUPDQFH IRU KHDULQJ DLGV ZLWK PLFURSKRQHV
SRVLWLRQHG EHKLQG WKH HDU
7 7R XVH \RXU KHDULQJ DLG LQ WKLV PRGH PDNH VXUH WKDW \RXU KHDULQJ DLG LV VHW WR 7
PRGH RU WHOHFRLO FRXSOLQJ PRGH QRW DOO KHDULQJ DLGV KDYH WKLV PRGH )RU WKH EHVW
UHVXOWV WU\ XVLQJ WKH SKRQH LQ GLIIHUHQW SRVLWLRQV UHODWLYH WR \RXU KHDULQJ DLG³IRU H[
DPSOH SODFLQJ WKH UHFHLYHU VOLJKWO\ EHORZ RU LQ IURQW RI WKH HDU PD\ UHVXOW LQ EHWWHU
SHUIRUPDQFH
<RXU GHYLFH PHHWV WKH 07 OHYHO UDWLQJ
6SHFLILF $EVRUSWLRQ 5DWH 6$5
7KLV GHYLFH PHHWV DSSOLFDEOH LQWHUQDWLRQDO VDIHW\ UHTXLUHPHQWV IRU H[SRVXUH WR UDGLR
ZDYHV <RXU PRELOH GHYLFH LV D UDGLR WUDQVPLWWHU DQG UHFHLYHU ,W LV GHVLJQHG QRW WR H[
FHHG WKH OLPLWV IRU H[SRVXUH WR UDGLR ZDYHV UDGLR IUHTXHQF\ HOHFWURPDJQHWLF ILHOGV

(QJOLVK
UHFRPPHQGHG E\ LQWHUQDWLRQDO JXLGHOLQHV IURP WKH LQGHSHQGHQW VFLHQWLILF RUJDQL]DWLRQ
,&1,53 ,QWHUQDWLRQDO &RPPLVVLRQ RI 1RQ,RQL]LQJ 5DGLDWLRQ 3URWHFWLRQ
7KH UDGLR ZDYH H[SRVXUH JXLGHOLQHV XVH D XQLW RI PHDVXUHPHQW NQRZQ DV WKH 6SHFLILF
$EVRUSWLRQ 5DWH RU 6$5 7KH 6$5 OLPLW IRU PRELOH GHYLFHV LV  :NJ DYHUDJHG RYHU 
JUDPV RI WLVVXH DQG LQFOXGH D VXEVWDQWLDO VDIHW\ PDUJLQ GHVLJQHG WR DVVXUH WKH VDIHW\
RI DOO SHUVRQV UHJDUGOHVV RI DJH DQG KHDOWK
7HVWV IRU 6$5 DUH FRQGXFWHG XVLQJ VWDQGDUG RSHUDWLQJ SRVLWLRQV ZLWK WKH GHYLFH WUDQV
PLWWLQJ DW LWV KLJKHVW FHUWLILHG SRZHU OHYHO LQ DOO WHVWHG IUHTXHQF\ EDQGV 7KH KLJKHVW
6$5 YDOXHV XQGHU WKH ,&1,53 JXLGHOLQHV IRU WKLV GHYLFH PRGHO DUH
+HDG 6$5  :NJ
%RG\ 6$5  :NJ
'XULQJ QRUPDO XVH WKH 6$5 YDOXHV IRU WKLV GHYLFH DUH XVXDOO\ ZHOO EHORZ WKH YDOXHV VWD
WHG DERYH 7KLV LV EHFDXVH IRU SXUSRVHV RI V\VWHP HIILFLHQF\ DQG WR PLQLPL]H LQWHUIHU
HQFH RQ WKH QHWZRUN WKH RXWSXW SRZHU RI \RXU PRELOH GHYLFH LV DXWRPDWLFDOO\ GHFUHDVHG
ZKHQ IXOO SRZHU LV QRW QHHGHG IRU WKH FDOO 7KH ORZHU WKH SRZHU RXWSXW RI WKH GHYLFH WKH
ORZHU LWV 6$5 YDOXH
7KLV GHYLFH PHHWV 5) H[SRVXUH JXLGHOLQHV ZKHQ XVHG DJDLQVW WKH KHDG RU ZKHQ SRVL
WLRQHG DW OHDVW  FP DZD\ IURP WKH ERG\ :KHQ D FDUU\ FDVH EHOW FOLS RU RWKHU IRUP RI
GHYLFH KROGHU LV XVHG IRU ERG\ZRUQ RSHUDWLRQ LW VKRXOG QRW FRQWDLQ PHWDO DQG VKRXOG
SURYLGH DW OHDVW WKH DERYH VWDWHG VHSDUDWLRQ GLVWDQFH IURP WKH ERG\
7KH :RUOG +HDOWK 2UJDQL]DWLRQ :+2 KDV VWDWHG WKDW FXUUHQW VFLHQWLILF LQIRUPDWLRQ GRHV
QRW LQGLFDWH WKH QHHG IRU DQ\ VSHFLDO SUHFDXWLRQV ZKHQ XVLQJ PRELOH GHYLFHV ,I \RX DUH
LQWHUHVWHG LQ UHGXFLQJ \RXU H[SRVXUH WKH\ UHFRPPHQG \RX UHGXFH \RXU XVDJH RU XVH D
KDQGVIUHH DFFHVVRU\ WR NHHS WKH GHYLFH DZD\ IURP \RXU KHDG DQG ERG\
&RUUHFW GLVSRVDO RI WKLV SURGXFW
:DVWH (OHFWULFDO  (OHFWURQLF (TXLSPHQW
$SSOLFDEOH LQ FRXQWULHV ZLWK VHSDUDWH FROOHFWLRQ V\VWHPV
7KLV PDUNLQJ RQ WKH SURGXFW DFFHVVRULHV RU PDQXDO LQGLFDWHV WKDW WKH SURGXFW DQG LWV
HOHFWURQLF DFFHVVRULHV HJ FKDUJHU KHDGVHW 86% FDEOH VKRXOG QRW EH GLVSRVHG RI ZLWK
RWKHU KRXVHKROG ZDVWH 7R SUHYHQW SRVVLEOH KDUP WR WKH HQYLURQPHQW RU KXPDQ KHDOWK
IURP XQFRQWUROOHG ZDVWH GLVSRVDO SOHDVH VHSDUDWH WKHVH LWHPV IURP RWKHU W\SHV RI
ZDVWH DQG UHF\FOH WKHP UHVSRQVLEO\ WR SURPRWH WKH VXVWDLQDEOH UHXVH RI PDWHULDO UH
VRXUFHV +RXVHKROG XVHUV VKRXOG FRQWDFW HLWKHU WKH UHWDLOHU ZKHUH WKH\ SXUFKDVHG WKLV
SURGXFW RU WKHLU ORFDO JRYHUQPHQW RIILFH IRU GHWDLOV RI ZKHUH DQG KRZ WKH\ FDQ WDNH
WKHVH LWHPV IRU HQYLURQPHQWDOO\ VDIH UHF\FOLQJ %XVLQHVV XVHUV VKRXOG FRQWDFW WKHLU VXS
SOLHU DQG FKHFN WKH WHUPV DQG FRQGLWLRQV RI WKH SXUFKDVH FRQWUDFW 7KLV SURGXFW DQG LWV
HOHFWURQLF DFFHVVRULHV VKRXOG QRW EH PL[HG ZLWK RWKHU FRPPHUFLDO ZDVWHV IRU GLVSRVDO
7KLV SURGXFW LV 5R+6 FRPSOLDQW

(QJOLVK
&RUUHFW GLVSRVDO RI EDWWHULHV LQ WKLV SURGXFW
$SSOLFDEOH LQ FRXQWULHV ZLWK VHSDUDWH FROOHFWLRQ V\VWHPV
7KH PDUNLQJ RQ WKH EDWWHU\ PDQXDO RU SDFNDJLQJ LQGLFDWHV WKDW WKH EDWWHU\ LQ WKLV SURG
XFW VKRXOG QRW EH GLVSRVHG RI ZLWK RWKHU KRXVHKROG ZDVWH :KHUH PDUNHG WKH FKHPLFDO
V\PEROV +J &G RU 3E LQGLFDWH WKDW WKH EDWWHU\ FRQWDLQV PHUFXU\ FDGPLXP RU OHDG DERYH
WKH UHIHUHQFH OHYHOV LQ (& 'LUHFWLYH  ,I EDWWHULHV DUH QRW SURSHUO\ GLVSRVHG RI
WKHVH VXEVWDQFHV FDQ FDXVH KDUP WR KXPDQ KHDOWK RU WKH HQYLURQPHQW
7R SURWHFW QDWXUDO UHVRXUFHV DQG WR SURPRWH PDWHULDO UHXVH SOHDVH VHSDUDWH EDWWHULHV
IURP RWKHU W\SHV RI ZDVWH DQG UHF\FOH WKHP WKURXJK \RXU ORFDO IUHH EDWWHU\ UHWXUQ
V\VWHP
'HFODUDWLRQ RI &RQIRUPLW\
'RUR KHUHE\ GHFODUHV WKDW 'RUR 3KRQH(DV\; FRQIRUPV WR WKH HVVHQWLDO UHTXLUH
PHQWV DQG RWKHU UHOHYDQW UHJXODWLRQV FRQWDLQHG LQ WKH 'LUHFWLYHV (& 577(
DQG (8 5R+6 $ FRS\ RI WKH 'HFODUDWLRQ RI &RQIRUPLW\ LV DYDLODEOH DW
ZZZGRURFRPGRIF

(QJOLVK

3KRQH(DV\ ; 
(QJOLVK
9HUVLRQ 
  'RUR $% $OO ULJKWV UHVHUYHG
ZZZGRURFRP 5(9  ³ 675 

Navigation menu